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Health insurance in Albany County, New York

5,389 people here have no coverage and earn in the range a premium tax credit is built for — 46% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

5,389Uninsured, subsidy range 138–400% of poverty
4.8%Uninsured, under 65 11,829 people
2.9%Uninsured, 50 to 64 1,598 people
245,223Under-65 residents 244th 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

5,389 uninsured people in Albany County earn inside the premium tax credit range — 46% of the county's uninsured. That is near the 51% national median. Within that band itself, 6.6% have no coverage.

Comparatively few people go uncovered

4.8% of Albany County's 245,223 under-65 residents have no health coverage — 11,829 people. That is close to the New York rate of 5.9%, and puts Albany County in the bottom quarter of the 3,143 counties measured nationally (3,053rd).

Who falls under the Medicaid line

3,797 of Albany County's uninsured — 32%, close to the 31% typical nationally — earn under $22,025 a year, which in New York is Medicaid territory rather than marketplace territory.

The years before Medicare

1,598 people aged 50 to 64 in Albany County have no coverage, a rate of 2.9% — close to the 4.8% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Albany County against New York

Albany County is the 14th largest of the 27 New York counties we publish. Its uninsured rate runs 1.1 points lower than New York overall and its subsidy-band share matches the state. Coverage among 50 to 64 year olds is better here than across New York.

Albany CountyNew York National median
Uninsured, under 654.8% 5.9%9.8%
Uninsured in the subsidy band5,389 429,201—
Subsidy band as a share of uninsured46% 47% 51%
At or below 138% of poverty32% 29% 31%
Uninsured, 50 to 642.9% 5.0% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
Dutchess County4.7%4,97647%
Rockland County5.5%6,67942%
Saratoga County3.7%3,30547%
Oneida County5.1%4,31649%

What a plan actually costs in Albany 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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