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ZIP code 17745 is located in Clinton County, Pennsylvania, centered near Lock Haven, with a total population of 17,722 and a median age of 37.0. This is a suburban community where 19.8% of residents are 65 or older (approximately 3,511 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 92.8% White, 2.6% Black/African American, 2.3% Hispanic/Latino, 1.0% Asian. About 25.5% of adults hold a bachelor's degree or higher.
The median household income is $53,602, below the national median. Lower-income Medicare beneficiaries may qualify for Medicare Savings Programs (MSPs) that help pay Part B premiums, or Extra Help (Low-Income Subsidy) to reduce Part D prescription drug costs. With a poverty rate of 16.6%, a significant portion of residents may qualify for dual eligibility (Medicare and Medicaid), which provides additional benefits including dental, vision, and transportation assistance. The unemployment rate is 6.3%. The median home value is $181,800 and median monthly rent is $810. Medicare beneficiaries in Clinton 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.