2018’s City Uninsured Rates

The national uninsured rate is on an upward trend this year, at 15.5% compared to 12.7% just two years two, according to a study by the Commonwealth Fund. But how widely do the rates differ from city to city?

With the uninsured rate climbing yet the Affordable Care Act remaining in place, WalletHub measured the uninsured rates for 547 U.S. cities and broke them down even further by age, income level and race. In addition, we conducted the same analysis at the state level. Read on for the complete ranking, a ranking by city size and a full description of our methodology.

Main Findings

 

Uninsured Rates by City

*Note: Overall rank based on 2017 uninsured rates.

Ranking by City Size

Rank (1 = Lowest)	Large City Name		Rank (1 = Lowest)	Midsize City Name		Rank (1 = Lowest)	Small City Name
1	Honolulu, HI		1	Fremont, CA		1	Union City, CA
2	San Francisco, CA		2	Ann Arbor, MI		2	Newton, MA
3	Boston, MA		3	Santa Clara, CA		3	Yorba Linda, CA
4	Washington, DC		4	Cambridge, MA		4	Milpitas, CA
5	Seattle, WA		5	Highlands Ranch, CO		5	Chino Hills, CA
6	San Jose, CA		6	Columbia, MD		6	Livermore, CA
7	Pittsburgh, PA		7	Worcester, MA		7	Folsom, CA
8	Louisville, KY		8	San Mateo, CA		8	Troy, MI
9	St. Paul, MN		9	Thousand Oaks, CA		9	San Ramon, CA
10	Sacramento, CA		10	Rochester, MN		10	Davis, CA
11	Lexington, KY		11	Elk Grove, CA		11	Somerville, MA
12	Minneapolis, MN		12	Springfield, MA		12	Ellicott City, MD
13	Cincinnati, OH		13	Boulder, CO		13	Rochester Hills, MI
14	Albuquerque, NM		14	Berkeley, CA		14	Plymouth, MN
15	Baltimore, MD		15	Centennial, CO		15	Newport Beach, CA
16	Cleveland, OH		16	Roseville, CA		16	Waldorf, MD
17	Philadelphia, PA		17	Sunnyvale, CA		17	Pleasanton, CA
18	Henderson, NV		18	Syracuse, NY		18	Livonia, MI
19	New York, NY		19	Fairfield, CA		19	Brockton, MA
20	Bakersfield, CA		20	Pearland, TX		20	Santa Monica, CA
21	Fresno, CA		21	Simi Valley, CA		21	O'Fallon, MO
22	Portland, OR		22	Naperville, IL		22	Mission Viejo, CA
23	Colorado Springs, CO		23	League City, TX		23	Alameda, CA
24	Long Beach, CA		24	Cedar Rapids, IA		24	Cranston, RI
25	Stockton, CA		25	Carlsbad, CA		25	Flower Mound, TX
26	San Diego, CA		26	Temecula, CA		26	Alhambra, CA
27	Virginia Beach, VA		27	Rancho Cucamonga, CA		27	Bloomington, IL
28	Detroit, MI		28	Clovis, CA		28	Duluth, MN
29	Columbus, OH		29	Allen, TX		29	Cheektowaga, NY
30	Riverside, CA		30	Lancaster, CA		30	Schenectady, NY
31	New Orleans, LA		31	Bellevue, WA		31	Champaign, IL
32	Milwaukee, WI		32	Irvine, CA		32	Carmel, IN
33	Denver, CO		33	Daly City, CA		33	Jacksonville, NC
34	Oakland, CA		34	Madison, WI		34	Apple Valley, CA
35	Chicago, IL		35	Vacaville, CA		35	Menifee, CA
36	Omaha, NE		36	Scottsdale, AZ		36	Camarillo, CA
37	Aurora, CO		37	Torrance, CA		37	Southfield, MI
38	Atlanta, GA		38	Lowell, MA		38	Scranton, PA
39	Los Angeles, CA		39	Springfield, IL		39	Redlands, CA
40	St. Louis, MO		40	Modesto, CA		40	Lorain, OH
41	Tucson, AZ		41	Buffalo, NY		41	Redondo Beach, CA
42	Indianapolis, IN		42	Davenport, IA		42	Fall River, MA
43	Wichita, KS		43	Murrieta, CA		43	St. Cloud, MN
44	Raleigh, NC		44	Visalia, CA		44	Iowa City, IA
45	Jacksonville, FL		45	Hayward, CA		45	San Leandro, CA
46	Las Vegas, NV		46	Huntington Beach, CA		46	Warwick, RI
47	Tampa, FL		47	Cary, NC		47	Bellingham, WA
48	Austin, TX		48	Lansing, MI		48	Frederick, MD
49	Charlotte, NC		49	Sioux Falls, SD		49	Albany, NY
50	Mesa, AZ		50	Warren, MI		50	Upland, CA
51	Kansas City, MO		51	Concord, CA		51	Farmington Hills, MI
52	Anaheim, CA		52	Arvada, CO		52	Rio Rancho, NM
53	Memphis, TN		53	Rochester, NY		53	Appleton, WI
54	Nashville, TN		54	Eugene, OR		54	Missoula, MT
55	Phoenix, AZ		55	Vallejo, CA		55	Mount Pleasant, SC
56	Oklahoma City, OK		56	Gresham, OR		56	Evanston, IL
57	Tulsa, OK		57	Surprise, AZ		57	Lee's Summit, MO
58	San Antonio, TX		58	Arden-Arcade, CA		58	Lakewood, CA
59	Corpus Christi, TX		59	Gilbert, AZ		59	Citrus Heights, CA
60	Santa Ana, CA		60	Garden Grove, CA		60	Bloomington, MN
61	Fort Worth, TX		61	Santa Clarita, CA		61	Turlock, CA
62	Miami, FL		62	Burbank, CA		62	Decatur, IL
63	El Paso, TX		63	Glendale, CA		63	Tracy, CA
64	Arlington, TX		64	Antioch, CA		64	Redwood City, CA
65	Houston, TX		65	Overland Park, KS		65	Hesperia, CA
66	Dallas, TX		66	West Covina, CA		66	Loveland, CO
			67	Peoria, AZ		67	Westland, MI
			68	Orange, CA		68	Manteca, CA
			69	Tacoma, WA		69	Lynn, MA
			70	Spokane, WA		70	Tustin, CA
			71	Fargo, ND		71	Schaumburg, IL
			72	Peoria, IL		72	Spokane Valley, WA
			73	Westminster, CO		73	Redding, CA
			74	Chesapeake, VA		74	Wyoming, MI
			75	Des Moines, IA		75	Hoover, AL
			76	Fort Collins, CO		76	Brooklyn Park, MN
			77	Tuscaloosa, AL		77	Longmont, CO
			78	New Haven, CT		78	Waukesha, WI
			79	Olathe, KS		79	Dearborn, MI
			80	The Woodlands, TX		80	Mount Vernon, NY
			81	Arlington, VA		81	St. Charles, MO
			82	Frisco, TX		82	Layton, UT
			83	Lakewood, CO		83	New Britain, CT
			84	Providence, RI		84	Johns Creek, GA
			85	Fullerton, CA		85	Oshkosh, WI
			86	Norwalk, CA		86	Framingham, MA
			87	Billings, MT		87	Youngstown, OH
			88	El Cajon, CA		88	Nashua, NH
			89	Shreveport, LA		89	Jonesboro, AR
			90	Akron, OH		90	Chico, CA
			91	San Buenaventura (Ventura), CA		91	Parma, OH
			92	Little Rock, AR		92	Bloomington, IN
			93	Green Bay, WI		93	Waterloo, IA
			94	Rockford, IL		94	Indio, CA
			95	Victorville, CA		95	Lynchburg, VA
			96	Lincoln, NE		96	New Bedford, MA
			97	Murfreesboro, TN		97	Wilmington, DE
			98	Santa Rosa, CA		98	Pawtucket, RI
			99	Sterling Heights, MI		99	Bolingbrook, IL
			100	Chandler, AZ		100	Arlington Heights, IL
			101	Pueblo, CO		101	Merced, CA
			102	Chula Vista, CA		102	Quincy, MA
			103	Toledo, OH		103	Sandy, UT
			104	Boise, ID		104	Boca Raton, FL
			105	Yonkers, NY		105	Bethlehem, PA
			106	Charleston, SC		106	Kenosha, WI
			107	Round Rock, TX		107	Lake Forest, CA
			108	Pasadena, CA		108	Chino, CA
			109	Greeley, CO		109	Skokie, IL
			110	College Station, TX		110	Sioux City, IA
			111	Palmdale, CA		111	Suffolk, VA
			112	Enterprise, NV		112	Erie, PA
			113	Hillsboro, OR		113	Santa Barbara, CA
			114	Tallahassee, FL		114	Edmond, OK
			115	Vancouver, WA		115	Kalamazoo, MI
			116	Joliet, IL		116	Westminster, CA
			117	Oceanside, CA		117	Racine, WI
			118	Norman, OK		118	Weston, FL
			119	Hampton, VA		119	Whittier, CA
			120	Kent, WA		120	Toms River, NJ
			121	Waterbury, CT		121	Pittsburg, CA
			122	Gainesville, FL		122	Mountain View, CA
			123	Corona, CA		123	Lawrence, KS
			124	Fort Wayne, IN		124	Yuma, AZ
			125	Topeka, KS		125	Eau Claire, WI
			126	Everett, WA		126	Medford, OR
			127	Thornton, CO		127	Kendall, FL
			128	Salem, OR		128	Beaverton, OR
			129	Las Cruces, NM		129	Germantown, MD
			130	Baton Rouge, LA		130	Greenville, NC
			131	Renton, WA		131	Flagstaff, AZ
			132	Grand Rapids, MI		132	Muncie, IN
			133	Clarksville, TN		133	San Tan Valley, AZ
			134	Dayton, OH		134	Flint, MI
			135	Ontario, CA		135	Carson, CA
			136	East Los Angeles, CA		136	Palatine, IL
			137	Downey, CA		137	Portland, ME
			138	Hartford, CT		138	Sugar Land, TX
			139	Moreno Valley, CA		139	Bend, OR
			140	Port St. Lucie, FL		140	Lake Charles, LA
			141	Reno, NV		141	Melbourne, FL
			142	Broken Arrow, OK		142	San Marcos, CA
			143	Lakeland, FL		143	Hemet, CA
			144	Aurora, IL		144	Rock Hill, SC
			145	Chattanooga, TN		145	Centreville, VA
			146	Knoxville, TN		146	Napa, CA
			147	Columbia, SC		147	Auburn, WA
			148	Pembroke Pines, FL		148	Buena Park, CA
			149	Columbia, MO		149	Lafayette, IN
			150	Fontana, CA		150	Concord, NC
			151	Greensboro, NC		151	Orem, UT
			152	Wilmington, NC		152	Canton, OH
			153	Evansville, IN		153	Kennewick, WA
			154	Miramar, FL		154	Dothan, AL
			155	Montgomery, AL		155	Atascocita, TX
			156	San Bernardino, CA		156	Gastonia, NC
			157	Huntsville, AL		157	Meridian, ID
			158	Fayetteville, NC		158	Asheville, NC
			159	Provo, UT		159	Reading, PA
			160	Alexandria, VA		160	Lawrence, MA
			161	Manchester, NH		161	Fayetteville, AR
			162	Lafayette, LA		162	Baldwin Park, CA
			163	High Point, NC		163	Gary, IN
			164	Davie, FL		164	Jackson, TN
			165	Tempe, AZ		165	Riverview, FL
			166	St. Petersburg, FL		166	St. George, UT
			167	Elgin, IL		167	St. Joseph, MO
			168	Rialto, CA		168	East Orange, NJ
			169	Salt Lake City, UT		169	Bellflower, CA
			170	Plano, TX		170	Kenner, LA
			171	West Jordan, UT		171	Yakima, WA
			172	Mobile, AL		172	Deltona, FL
			173	Anchorage, AK		173	Alafaya, FL
			174	Inglewood, CA		174	Hawthorne, CA
			175	Sandy Springs, GA		175	Temple, TX
			176	Cape Coral, FL		176	North Richland Hills, TX
			177	Norfolk, VA		177	South Bend, IN
			178	Birmingham, AL		178	Roanoke, VA
			179	Sparks, NV		179	Federal Way, WA
			180	Metairie, LA		180	Camden, NJ
			181	Jersey City, NJ		181	Missouri City, TX
			182	Costa Mesa, CA		182	Goodyear, AZ
			183	Winston-Salem, NC		183	New Rochelle, NY
			184	Glendale, AZ		184	Sunrise, FL
			185	Columbus, GA		185	Ogden, UT
			186	Pomona, CA		186	Perris, CA
			187	Allentown, PA		187	Clifton, NJ
			188	Newport News, VA		188	Rapid City, SD
			189	Killeen, TX		189	Palm Coast, FL
			190	Durham, NC		190	Plantation, FL
			191	Vista, CA		191	Hammond, IN
			192	Coral Springs, FL		192	Avondale, AZ
			193	Springfield, MO		193	Compton, CA
			194	Athens, GA		194	Fort Smith, AR
			195	McKinney, TX		195	Portsmouth, VA
			196	Macon, GA		196	Santa Fe, NM
			197	El Monte, CA		197	Silver Spring, MD
			198	Palm Bay, FL		198	Largo, FL
			199	Escondido, CA		199	Lynwood, CA
			200	Richmond, VA		200	San Angelo, TX
			201	Richmond, CA		201	Nampa, ID
			202	Independence, MO		202	Roswell, GA
			203	Stamford, CT		203	Lawton, OK
			204	Lubbock, TX		204	Miami Beach, FL
			205	North Las Vegas, NV		205	Town 'n' Country, FL
			206	Spring Valley, NV		206	Albany, GA
			207	Richardson, TX		207	Lauderhill, FL
			208	Spring Hill, FL		208	Danbury, CT
			209	Paradise, NV		209	Waukegan, IL
			210	Salinas, CA		210	Dale City, VA
			211	Augusta, GA		211	Trenton, NJ
			212	Clearwater, FL		212	Springdale, AR
			213	Bridgeport, CT		213	Warner Robins, GA
			214	Abilene, TX		214	Bryan, TX
			215	Brandon, FL		215	Fort Myers, FL
			216	Denton, TX		216	Harlingen, TX
			217	Jackson, MS		217	Cicero, IL
			218	Waco, TX		218	South Gate, CA
			219	Oxnard, CA		219	Longview, TX
			220	Sunrise Manor, NV		220	Gulfport, MS
			221	Tyler, TX		221	Boynton Beach, FL
			222	Kansas City, KS		222	Edinburg, TX
			223	Newark, NJ		223	Deerfield Beach, FL
			224	Grand Prairie, TX		224	Norwalk, CT
			225	Orlando, FL		225	Baytown, TX
			226	West Palm Beach, FL		226	Union City, NJ
			227	Amarillo, TX		227	Pharr, TX
			228	Beaumont, TX		228	Passaic, NJ
			229	Lewisville, TX		229	Mission, TX
			230	Carrollton, TX
			231	Wichita Falls, TX
			232	West Valley City, UT
			233	Santa Maria, CA
			234	Fort Lauderdale, FL
			235	Elizabeth, NJ
			236	Hollywood, FL
			237	Paterson, NJ
			238	Midland, TX
			239	Savannah, GA
			240	Lehigh Acres, FL
			241	Hialeah, FL
			242	Odessa, TX
			243	Mesquite, TX
			244	Pompano Beach, FL
			245	Irving, TX
			246	North Charleston, SC
			247	Garland, TX
			248	Miami Gardens, FL
			249	Pasadena, TX
			250	McAllen, TX
			251	Laredo, TX
			252	Brownsville, TX

 

Methodology

In order to measure the rates of uninsured by city, WalletHub compared the overall insurance rates in 547 U.S. cities in 2017 using U.S. Census Bureau data. In addition to comparing the overall insurance rates, we examined the city rates based on age, race/ethnicity and income level.

An overall rank of No. 1 corresponds with the city with the lowest uninsured rate. When viewing our findings in the above tables, please note that absolute difference refers to the difference between the percentages of uninsured and insured in 2017 and 2010. A small change in the absolute difference does not necessarily indicate a negative outcome, as the percentage of uninsured people pre-Obamacare may have already been low to start with.

In collecting our sample, we considered only the “city proper” in each case and excluded cities in the surrounding metro area. We then categorized each city according to the following population-size guidelines:

• Large cities: More than 300,000 residents
• Midsize cities: 100,000 to 300,000 residents
• Small cities: Fewer than 100,000 residents

Health Insurance Rate by Age Group

• Health Insurance Rate for Children (Aged 0 to 18)
• Health Insurance Rate for Adults (Aged 19 & Older)

Health Insurance Rate by Race/Ethnicity

• Health Insurance Rate for Whites
• Health Insurance Rate for Black or African Americans
• Health Insurance Rate for Hispanic or Latino

Health Insurance Rate by Household Income

• Health Insurance Rate for Lower-Income Households ($50,000 or less)
• Health Insurance Rate for Higher-Income Households ($100,000 or more)

 

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Sources: Data used to create this ranking were collected from the U.S. Census Bureau.

Image: 24Novembers / Shutterstock.com