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Health insurance in Santa Cruz County, California

6,092 people here have no coverage and earn in the range a premium tax credit is built for — 50% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

6,092Uninsured, subsidy range 138–400% of poverty
6.1%Uninsured, under 65 12,249 people
5.1%Uninsured, 50 to 64 2,411 people
201,455Under-65 residents 291st of 3,143

Source: US Census Small Area Health Insurance Estimates, 2024 release. Income bands are measured against the federal poverty level.

How many here a premium tax credit would reach

6,092 uninsured people in Santa Cruz County earn inside the premium tax credit range — 50% of the county's uninsured. That is near the 51% national median. Within that band itself, 9.0% have no coverage.

How many people here have no coverage

6.1% of Santa Cruz County's 201,455 under-65 residents have no health coverage — 12,249 people. That is close to the California rate of 6.9%, and puts Santa Cruz County in the bottom quarter of the 3,143 counties measured nationally (2,771st).

Who falls under the Medicaid line

2,990 of Santa Cruz County's uninsured — 24%, below the 31% typical of counties nationally — earn under $22,025 a year, which in California is Medicaid territory rather than marketplace territory.

The years before Medicare

2,411 people aged 50 to 64 in Santa Cruz County have no coverage, a rate of 5.1% — close to the 6.1% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Santa Cruz County against California

Santa Cruz County is the 24th largest of the 34 California counties we publish. Its uninsured rate runs 0.8 points lower than California overall and 3 points fewer of its uninsured sit in the subsidy band than statewide. Coverage among 50 to 64 year olds is better here than across California.

Santa Cruz CountyCalifornia National median
Uninsured, under 656.1% 6.9%9.8%
Uninsured in the subsidy band6,092 1,173,956—
Subsidy band as a share of uninsured50% 52% 51%
At or below 138% of poverty24% 25% 31%
Uninsured, 50 to 645.1% 6.6% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
San Luis Obispo County6.0%6,02249%
Marin County5.0%4,44847%
Yolo County5.4%4,68248%
Butte County6.3%5,14849%
Merced County8.5%11,93156%

What a plan actually costs in Santa Cruz County

These figures say how many people here a credit would reach. What it would be worth to you depends on your age, household and income — a licensed agent can work that out on the call.

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