Darien, Ct: Who's Insured?

Darien, Connecticut is a coastal town in Fairfield County with a population of around 21,500 people. It has a high rate of marriage and an average of 3 people per household. The town has a high level of health coverage, with 98.8% of the population insured. The largest group of insured persons by age range are those over 65 years old. The majority of the population is insured through employee plans (75.7%), followed by Medicare (8.8%), and non-group plans (10.4%).

98.8% of Darien, CT residents have health insurance

Darien, Connecticut is a small coastal town in Fairfield County, with a population of around 21,500 people. It is a mostly affluent community, with a median household income of $250,000 per year and an average household income of $424,355. The town has a high rate of marriage and an above-average number of children per household.

The town is notable for its diverse population, evolving from a predominantly white Protestant community in the mid-20th century to a multi-ethnic town with a variety of religions and backgrounds in the 21st century. This diversity is reflected in the range of insurance plans held by its residents.

Indeed, 98.8% of Darien, CT residents have health insurance. The majority of residents, 75.7%, are on employee plans, while 3.75% are on Medicaid, 8.8% are on Medicare, 10.4% have non-group plans, and 0.12% are covered by military or VA plans. This high level of insurance coverage is a testament to the town's overall affluence and its commitment to providing for its residents' well-being.

The town's insurance coverage rates are also notable for the variety of plans represented. In addition to the expected employee and government-provided plans, the presence of non-group and military/VA plans indicates that the town has a mix of traditional and non-traditional employment situations. This diversity of insurance plans likely reflects the diverse backgrounds and lifestyles of the town's residents.

Furthermore, the high insurance coverage rate in Darien stands in contrast to the situation in other parts of the country. While the specific reasons for this disparity are unclear, it suggests that the town's residents prioritize health coverage and have the financial means to obtain it. This may be due in part to the relatively high median income and the presence of a significant number of high-net-worth individuals in the town.

75.7% of insured residents are on employee plans

Darien, Connecticut, has a population of 21,485, with a median age of 39.9. Of this population, 98.8% have health coverage, and 75.7% of insured residents are on employee plans. This means that around 16,274 people in Darien have insurance through their employer.

Employee insurance plans are a popular option for those with insurance in Darien, CT. With a large working population, many residents likely opt for employee insurance plans as a convenient way to access healthcare coverage. The town has a high median household income of $250,001 per year, and the average annual household income is even higher at $424,355. This indicates that many residents have stable and well-paying jobs that likely offer employee health benefits.

The industry in Darien is largely white-collar, with 96.4% of the working population. This may contribute to the high number of residents with employee insurance plans, as white-collar workers often have access to more comprehensive benefits packages. Additionally, 6.34% of the workforce is employed by governmental institutions, which typically offer robust benefits, including health insurance.

The town also has a high rate of marriage, and an above-average number of children per household. This could be another factor influencing the popularity of employee insurance plans, as residents may opt for employer-provided family coverage.

It's worth noting that the percentage of insured residents on employee plans in Darien is higher than the national average. This could be due to the town's demographic makeup, economic factors, or the availability of attractive employee benefits packages in the area.

3.75% of insured residents are on Medicaid

Darien, Connecticut is a small coastal town with a population of around 21,500 people. It is a wealthy community with a high average household income and a large proportion of residents with bachelor's and graduate degrees.

When it comes to health insurance coverage, almost all of Darien's residents (98.8%) have some form of health insurance. This includes those on employee plans (75.7%), Medicaid (3.75%), Medicare (8.8%), non-group plans (10.4%), and military or VA plans (0.12%).

Medicaid is a government-funded health insurance program for people with low incomes or disabilities. In the context of Darien, CT, it is worth noting that the town has a relatively low poverty rate, with only 4.02% of its population living below the poverty line. This is significantly lower than the national average of 12.5%. Despite the town's overall affluence, a small but notable portion of its residents rely on Medicaid for their health coverage.

This statistic of 3.75% of insured residents being on Medicaid translates to approximately 810 people, based on the town's total population. While this number may seem small in absolute terms, it is important to consider the context of Darien's low poverty rate and high median income. This suggests that there may be other factors at play, such as a significant number of children, disabled individuals, or people with temporary financial difficulties who qualify for Medicaid.

Additionally, it is worth noting that Connecticut has expanded Medicaid eligibility under the Affordable Care Act, which may also contribute to the number of residents enrolled in the program.

8.8% of insured residents are on Medicare

Darien, Connecticut is a small coastal town in Fairfield County, with a population of around 21,500 people. It is a wealthy community, with a median household income of $250,000 per year and an average household income of $424,355. The town has a high rate of marriage and an above-average number of children per household. The population is diverse, with a large proportion of white (non-Hispanic) residents (87.7%), as well as Asian (5.47%), white (Hispanic) (3.39%), and black or African American residents (0.786%).

When it comes to insurance, Darien has a high rate of health coverage, with 98.8% of its population insured. Out of those insured residents, 8.8% are on Medicare. This means that a significant number of Darien's residents are aged 65 or older, as Medicare is a federal health insurance program primarily for older adults. This is reflected in the town's median age of 39.9, which is higher than the national average. Additionally, 12.4% of the population is over the age of 65, and the town has a high average number of children per household, indicating a diverse age range.

The high rate of health insurance coverage in Darien is likely due to the high median income and education level of its residents. Around 34.32% of the population has a graduate degree, and the town has a low poverty rate of only 4.02%high rate of employment, with 96.4% of the working population holding white-collar jobs. This may contribute to the high rate of health insurance coverage, as employer-provided insurance is a common source of coverage in the United States.

The town of Darien also has a well-developed healthcare infrastructure, with primary care physicians, dentists, and mental health providers serving the community. This easy access to healthcare services may further encourage residents to prioritize health insurance coverage. Overall, the high rate of health insurance coverage in Darien, including the 8.8% of residents on Medicare, reflects the town's demographic characteristics and its focus on healthcare and well-being.

10.4% of insured residents are on non-group plans

Darien, Connecticut, has a population of 21,485 people, with a median age of 39.9. Of this population, 98.8% have health coverage, with 75.7% on employee plans, 3.75% on Medicaid, 8.8% on Medicare, 10.4% on non-group plans, and 0.12% on military or VA plans. This means that out of the 21,485 residents of Darien, approximately 2,234 people are on non-group plans.

Non-group insurance plans are a type of health insurance plan that is purchased by an individual directly from an insurance company, rather than through an employer or other organization. These plans are often more expensive than group plans, as the individual assumes the full cost of the premium. However, non-group plans can offer more flexibility in terms of provider choice and coverage options.

In the context of Darien, CT, the relatively high percentage of residents on non-group plans may be due to a number of factors. One factor could be the high median income in the area, with the average household income reported at $424,355 and the median household income at $250,001 per year. This could mean that residents are more likely to be able to afford the higher premiums associated with non-group plans. Additionally, the high percentage of white-collar workers in Darien, reported at 96.4% of the working population, may also play a role. White-collar workers are more likely to have jobs that offer flexibility in terms of employment benefits, including the option to purchase individual health insurance plans.

Another factor that may contribute to the high percentage of residents on non-group plans is the relatively low poverty rate in Darien. Only 4.02% of the population lives below the poverty line, which is significantly lower than the national average of 12.5%. This suggests that a larger proportion of residents may have the financial means to purchase non-group insurance plans. Additionally, the high rate of homeownership in Darien, with 86.04% of occupied housing units being owner-occupied, may also play a role. Homeowners may be more likely to invest in comprehensive health insurance coverage, including non-group plans, to protect their financial assets in the event of unexpected medical expenses.

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