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ZIP code 18240 is located in Carbon County, Pennsylvania, centered near Nesquehoning, with a total population of 3,909 and a median age of 39.1. This is a rural community where 22.4% of residents are 65 or older (approximately 876 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 83.2% White, 8.1% Black/African American, 11.0% Hispanic/Latino. Approximately 20.4% 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 $56,510, 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. The poverty rate is 13.4%. The unemployment rate of 13.3% 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 $135,200 and median monthly rent is $970. Medicare beneficiaries in Carbon 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.