Health insurance in Luzerne County, Pennsylvania
10,956 people here have no coverage and earn in the range a premium tax credit is built for — 50% of everyone uninsured in the county.
Source: US Census Small Area Health Insurance Estimates, 2024 release. Income bands are measured against the federal poverty level.
Half the uninsured here sit in the subsidy range
Of the 21,851 people without coverage in Luzerne County, 10,956 — 50% — earn inside the premium tax credit range. That is near the 51% national median. Within that band itself, 10.1% have no coverage.
How many people here have no coverage
8.6% of Luzerne County's 255,423 under-65 residents have no health coverage — 21,851 people. That is above the Pennsylvania rate of 7.2%, and puts Luzerne County in the lower half of the 3,143 counties measured nationally (1,963rd).
Who falls under the Medicaid line
7,084 of Luzerne County's uninsured — 32%, close to the 31% typical nationally — earn under $22,025 a year, which in Pennsylvania is Medicaid territory rather than marketplace territory.
The years before Medicare
4,128 people aged 50 to 64 in Luzerne County have no coverage, a rate of 6.4% — close to the 8.6% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.
Luzerne County against Pennsylvania
Luzerne County is the 12th largest of the 28 Pennsylvania counties we publish. Its uninsured rate runs 1.4 points higher than Pennsylvania overall and its subsidy-band share matches the state. Coverage among 50 to 64 year olds matches the Pennsylvania picture.
| Luzerne County | Pennsylvania | National median | |
|---|---|---|---|
| Uninsured, under 65 | 8.6% | 7.2% | 9.8% |
| Uninsured in the subsidy band | 10,956 | 360,928 | — |
| Subsidy band as a share of uninsured | 50% | 49% | 51% |
| At or below 138% of poverty | 32% | 30% | 31% |
| Uninsured, 50 to 64 | 6.4% | 5.5% | 8.1% |
Counties of a similar size
| County | Uninsured | In the subsidy band | Share |
|---|---|---|---|
| Westmoreland County | 5.0% | 6,584 | 50% |
| Northampton County | 6.0% | 7,070 | 49% |
| Dauphin County | 8.3% | 9,723 | 50% |
| Cumberland County | 7.4% | 7,800 | 50% |
All Pennsylvania counties · How the credit works · Enrollment dates