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ZIP code 18414 is located in Lackawanna County, Pennsylvania, centered near Moscow, with a total population of 5,390 and a median age of 45.2. This is a suburban community where 22.6% of residents are 65 or older (approximately 1,216 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 93.6% White, 3.6% Hispanic/Latino. The community is highly educated, with 43.0% 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 $91,014, 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 6.8%. The unemployment rate is 4.0%. The median home value is $279,600 and median monthly rent is $1,232. Medicare beneficiaries in Lackawanna 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.