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ZIP code 16863 is located in Clearfield County, Pennsylvania, centered near Curwensville, with a total population of 566 and a median age of 52.2. This is a rural community with a notably high senior population — 28.3% of residents are 65 or older (approximately 160 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 95.8% White. Approximately 12.0% 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 $65,500, 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 12.0%. The unemployment rate is 4.5%. The median home value is $95,000 and median monthly rent is $831. Medicare beneficiaries in Clearfield 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.