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ZIP code 15845 is located in Elk County, Pennsylvania, centered near Johnsonburg, with a total population of 3,109 and a median age of 46.3. This is a rural community where 22.7% of residents are 65 or older (approximately 707 individuals), moderately above the national average. This aging population benefits from robust Medicare plan options and community-based health resources. The racial and ethnic composition includes 93.8% White, 1.4% Hispanic/Latino. Approximately 19.3% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.
The median household income is $65,000, near the national median. Many residents may find Medicare Advantage plans with $0 premiums to be an attractive option, while others may prefer Original Medicare with a Medigap supplement for broader provider access. The poverty rate is 9.4%. The unemployment rate of 7.8% is above the national average, which may indicate a greater need for social safety net programs including Medicare-Medicaid dual eligibility. The median home value is $74,700 and median monthly rent is $673. Medicare beneficiaries in Elk County should explore all available plan options during Open Enrollment (October 15 – December 7) or consult the Pennsylvania SHIP (State Health Insurance Assistance Program) for free, unbiased counseling on choosing the right coverage.