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Health insurance in Madison County, Illinois

6,584 people here have no coverage and earn in the range a premium tax credit is built for — 52% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

6,584Uninsured, subsidy range 138–400% of poverty
6.0%Uninsured, under 65 12,541 people
4.6%Uninsured, 50 to 64 2,297 people
208,185Under-65 residents 286th of 3,143

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

Half the uninsured here sit in the subsidy range

6,584 uninsured people in Madison County earn inside the premium tax credit range — 52% of the county's uninsured. That is near the 51% national median. Within that band itself, 8.1% have no coverage.

How many people here have no coverage

6.0% of Madison County's 208,185 under-65 residents have no health coverage — 12,541 people. That is below the Illinois rate of 8.1%, and puts Madison County in the bottom quarter of the 3,143 counties measured nationally (2,795th).

Who falls under the Medicaid line

3,293 of Madison County's uninsured — 26%, close to the 31% typical nationally — earn under $22,025 a year, which in Illinois is Medicaid territory rather than marketplace territory.

The years before Medicare

2,297 people aged 50 to 64 in Madison County have no coverage, a rate of 4.6% — close to the 6.0% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Madison County against Illinois

Madison County is the 8th largest of the 18 Illinois counties we publish. Its uninsured rate runs 2.1 points lower than Illinois overall and its subsidy-band share matches the state. Coverage among 50 to 64 year olds is better here than across Illinois.

Madison CountyIllinois National median
Uninsured, under 656.0% 8.1%9.8%
Uninsured in the subsidy band6,584 423,655—
Subsidy band as a share of uninsured52% 51% 51%
At or below 138% of poverty26% 28% 31%
Uninsured, 50 to 644.6% 7.2% 8.1%

The nearest by population

CountyUninsured In the subsidy bandShare
St. Clair County6.3%6,69053%
Winnebago County8.4%9,86552%
Champaign County6.4%4,92346%
McHenry County6.2%8,48552%
Cook County10.1%213,54750%

What a plan actually costs in Madison 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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