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ZIP code 16845 is located in Centre County, Pennsylvania, centered near Philipsburg, with a total population of 955 and a median age of 42.0. This is a rural community where 21.5% of residents are 65 or older (approximately 205 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 86.3% White, 7.3% Black/African American, 6.0% Hispanic/Latino. Approximately 6.7% 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 $66,875, 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 is 6.6%. The median home value is $140,000 and median monthly rent is $700. Medicare beneficiaries in Centre 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.