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Health insurance in Niagara County, New York

3,830 people here have no coverage and earn in the range a premium tax credit is built for — 50% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

3,830Uninsured, subsidy range 138–400% of poverty
4.7%Uninsured, under 65 7,678 people
4.2%Uninsured, 50 to 64 1,820 people
162,251Under-65 residents 348th 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

3,830 uninsured people in Niagara County earn inside the premium tax credit range — 50% of the county's uninsured. That is near the 51% national median. Within that band, only 5.8% are uninsured, so the credit is reaching most of the people it was built for here.

Comparatively few people go uncovered

4.7% of Niagara County's 162,251 under-65 residents have no health coverage — 7,678 people. That is close to the New York rate of 5.9%, and puts Niagara County in the bottom quarter of the 3,143 counties measured nationally (3,070th).

Who falls under the Medicaid line

2,092 of Niagara County's uninsured — 27%, 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

1,820 people aged 50 to 64 in Niagara County have no coverage, a rate of 4.2% — close to the 4.7% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Niagara County against New York

Niagara County is the 18th largest of the 27 New York counties we publish. Its uninsured rate runs 1.2 points lower than New York overall and 3 points more of its uninsured sit in the subsidy band than statewide. Coverage among 50 to 64 year olds matches the New York picture.

Niagara CountyNew York National median
Uninsured, under 654.7% 5.9%9.8%
Uninsured in the subsidy band3,830 429,201—
Subsidy band as a share of uninsured50% 47% 51%
At or below 138% of poverty27% 29% 31%
Uninsured, 50 to 644.2% 5.0% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
Oneida County5.1%4,31649%
Broome County5.3%3,72148%
Ulster County6.4%3,70242%
Saratoga County3.7%3,30547%

What a plan actually costs in Niagara 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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