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ZIP code 16870 is located in Centre County, Pennsylvania, centered near Philipsburg, with a total population of 7,386 and a median age of 41.8. This is a suburban community where 15.2% of residents are 65 or older (approximately 1,123 individuals), near the national average. Medicare beneficiaries here have access to a range of plan options suited to diverse healthcare needs. The racial and ethnic composition includes 92.3% White, 2.1% Hispanic/Latino, 1.6% Asian. The community is highly educated, with 56.7% of adults holding a bachelor's degree or higher, which often correlates with greater health literacy and proactive engagement with Medicare plan selection.
The median household income is $118,243, above the national median. Higher-income Medicare beneficiaries should note that Income-Related Monthly Adjustment Amounts (IRMAA) may apply to Part B and Part D premiums for individuals earning above $106,000 or couples above $212,000 annually. The poverty rate is relatively low at 3.3%. The unemployment rate is 5.2%. The median home value is $392,800 and median monthly rent is $924. 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.