Health insurance in Schenectady 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

3,017 uninsured people in Schenectady County earn inside the premium tax credit range — 48% of the county's uninsured. That is near the 51% national median. Within that band itself, 6.2% have no coverage.

Comparatively few people go uncovered

4.9% of Schenectady County's 128,481 under-65 residents have no health coverage — 6,252 people. That is close to the New York rate of 5.9%, and puts Schenectady County in the bottom quarter of the 3,143 counties measured nationally (3,041st).

Who falls under the Medicaid line

1,885 of Schenectady County's uninsured — 30%, 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

1,222 people aged 50 to 64 in Schenectady County have no coverage, a rate of 4.1% — close to the 4.9% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Schenectady County against New York

Schenectady County is the 21st largest of the 27 New York counties we publish. Its uninsured rate runs 1.0 points lower than New York overall and 2 points more of its uninsured sit in the subsidy band than statewide. Coverage among 50 to 64 year olds matches the New York picture.

Counties of a similar size

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