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Health insurance in McHenry County, Illinois

8,485 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

8,485Uninsured, subsidy range 138–400% of poverty
6.2%Uninsured, under 65 16,270 people
4.6%Uninsured, 50 to 64 2,987 people
260,424Under-65 residents 227th 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

Of the 16,270 people without coverage in McHenry County, 8,485 — 52% — earn inside the premium tax credit range. That is near the 51% national median. Within that band itself, 9.0% have no coverage.

How many people here have no coverage

6.2% of McHenry County's 260,424 under-65 residents have no health coverage — 16,270 people. That is below the Illinois rate of 8.1%, and puts McHenry County in the bottom quarter of the 3,143 counties measured nationally (2,746th).

Relatively few are under the Medicaid line

3,457 of McHenry County's uninsured — 21%, below the 31% typical of counties nationally — earn under $22,025 a year, which in Illinois is Medicaid territory rather than marketplace territory.

The years before Medicare

2,987 people aged 50 to 64 in McHenry County have no coverage, a rate of 4.6% — close to the 6.2% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

McHenry County against Illinois

McHenry County is the 6th largest of the 18 Illinois counties we publish. Its uninsured rate runs 1.9 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.

McHenry CountyIllinois National median
Uninsured, under 656.2% 8.1%9.8%
Uninsured in the subsidy band8,485 423,655—
Subsidy band as a share of uninsured52% 51% 51%
At or below 138% of poverty21% 28% 31%
Uninsured, 50 to 644.6% 7.2% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
Winnebago County8.4%9,86552%
Madison County6.0%6,58452%
St. Clair County6.3%6,69053%
Champaign County6.4%4,92346%

What a plan actually costs in McHenry 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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