Health insurance in Saratoga County, New York

Reviewed September 4, 2026 · 2024 Census data

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

3,305 uninsured people in Saratoga County earn inside the premium tax credit range — 47% of the county's uninsured. That is near the 51% national median. Within that band, only 5.7% are uninsured, so the credit is reaching most of the people it was built for here.

Comparatively few people go uncovered

3.7% of Saratoga County's 188,293 under-65 residents have no health coverage — 7,004 people. That is below the New York rate of 5.9%, and puts Saratoga County in the bottom quarter of the 3,143 counties measured nationally (3,129th).

Who falls under the Medicaid line

1,644 of Saratoga County's uninsured — 23%, below the 31% typical of counties nationally — earn under $22,025 a year, which in New York is Medicaid territory rather than marketplace territory.

The years before Medicare

1,465 people aged 50 to 64 in Saratoga County have no coverage, a rate of 2.9% — close to the 3.7% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Saratoga County against New York

Saratoga County is the 16th largest of the 27 New York counties we publish. Its uninsured rate runs 2.2 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.

Counties of a similar size

All New York counties · How the credit works · Enrollment dates