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Health insurance in Bergen County, New Jersey

28,042 people here have no coverage and earn in the range a premium tax credit is built for — 47% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

28,042Uninsured, subsidy range 138–400% of poverty
7.6%Uninsured, under 65 59,874 people
6.1%Uninsured, 50 to 64 12,135 people
786,696Under-65 residents 55th 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

Bergen County has 28,042 uninsured residents earning inside the premium tax credit range, 47% of its uninsured total. That is near the 51% national median. Within that band itself, 13.7% have no coverage.

How many people here have no coverage

7.6% of Bergen County's 786,696 under-65 residents have no health coverage — 59,874 people. That is below the New Jersey rate of 9.0%, and puts Bergen County in the lower half of the 3,143 counties measured nationally (2,292nd).

Who falls under the Medicaid line

13,943 of Bergen County's uninsured — 23%, below the 31% typical of counties nationally — earn under $22,025 a year, which in New Jersey is Medicaid territory rather than marketplace territory.

The years before Medicare

12,135 people aged 50 to 64 in Bergen County have no coverage, a rate of 6.1% — close to the 7.6% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Bergen County against New Jersey

Bergen County is the largest of the 19 New Jersey counties we publish, by under-65 population. Its uninsured rate runs 1.4 points lower than New Jersey overall and its subsidy-band share matches the state. Coverage among 50 to 64 year olds matches the New Jersey picture.

Bergen CountyNew Jersey National median
Uninsured, under 657.6% 9.0%9.8%
Uninsured in the subsidy band28,042 330,684—
Subsidy band as a share of uninsured47% 48% 51%
At or below 138% of poverty23% 28% 31%
Uninsured, 50 to 646.1% 7.0% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
Essex County13.2%46,22449%
Middlesex County8.6%29,51048%
Hudson County12.0%34,68446%
Monmouth County6.5%14,96345%

What a plan actually costs in Bergen 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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