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Health insurance in Winnebago County, Illinois

9,865 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

9,865Uninsured, subsidy range 138–400% of poverty
8.4%Uninsured, under 65 18,942 people
7.5%Uninsured, 50 to 64 3,945 people
226,772Under-65 residents 258th 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 18,942 people without coverage in Winnebago County, 9,865 — 52% — earn inside the premium tax credit range. That is near the 51% national median. Within that band itself, 10.2% have no coverage.

How many people here have no coverage

8.4% of Winnebago County's 226,772 under-65 residents have no health coverage — 18,942 people. That is close to the Illinois rate of 8.1%, and puts Winnebago County in the lower half of the 3,143 counties measured nationally (2,002nd).

Who falls under the Medicaid line

5,814 of Winnebago County's uninsured — 31%, 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

3,945 people aged 50 to 64 in Winnebago County have no coverage, a rate of 7.5% — close to the 8.4% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Winnebago County against Illinois

Winnebago County is the 7th largest of the 18 Illinois counties we publish. Its uninsured rate tracks the state almost exactly and its subsidy-band share matches the state. Coverage among 50 to 64 year olds matches the Illinois picture.

Winnebago CountyIllinois National median
Uninsured, under 658.4% 8.1%9.8%
Uninsured in the subsidy band9,865 423,655—
Subsidy band as a share of uninsured52% 51% 51%
At or below 138% of poverty31% 28% 31%
Uninsured, 50 to 647.5% 7.2% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
Madison County6.0%6,58452%
St. Clair County6.3%6,69053%
McHenry County6.2%8,48552%
Champaign County6.4%4,92346%

What a plan actually costs in Winnebago 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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