Health insurance in St. Joseph County, Indiana
3 insurers sell 47 marketplace plans here, and 9.0% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
Who sells here, and how much choice that gives
3 insurers sell marketplace plans in St. Joseph County, offering 47 plans between them, roughly 16 each. It gained 2 since the previous plan year, up from 1.
How many people here have no coverage
9.0% of St. Joseph County's 215,793 under-65 residents have no health coverage — 19,525 people. That is close to the Indiana rate of 9.1%, and puts St. Joseph County in the middle half of the 1,817 counties on this site (1226th).
How much the marketplace is used
11,237 St. Joseph County residents selected a marketplace plan for 2026: 52 per thousand under-65 residents, 1543rd of 1,817. That is under the 78 per thousand typical of published counties. 1,571 of them — 14% — were new rather than renewing.
St. Joseph County against Indiana
St. Joseph County is the 4th largest of the 12 Indiana counties we publish. Its uninsured rate tracks the state almost exactly and with 3 it has the fewest insurers of any Indiana county. Marketplace use is close to the Indiana rate.
| St. Joseph County | Indiana | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 9.0% | 9.1% | 9.9% |
| Insurers selling | 3 | 3–5 | 4 |
| Plans offered | 47 | — | 57 |
| Selections per 1,000 | 52 | 54 | 78 |
| New rather than renewing | 14% | 14% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Elkhart County | 173,285 | 13.4% | 3 | 47 |
| Hendricks County | 157,670 | 6.4% | 4 | 56 |
| Tippecanoe County | 152,506 | 8.2% | 3 | 47 |
| Vanderburgh County | 142,222 | 8.5% | 4 | 56 |
Hendricks County has 4 insurers against this county's 3 — a reminder that the county line, not the state line, is what decides your options.
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