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ZIP code 18707 is located in Luzerne County, Pennsylvania, centered near Avoca, with a total population of 16,418 and a median age of 45.1. This is a suburban community where 17.8% of residents are 65 or older (approximately 2,922 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 89.3% White, 2.7% Hispanic/Latino, 5.2% Asian. The community is highly educated, with 44.0% 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 $105,281, 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 6.7%. The unemployment rate is 2.3%. The median home value is $277,500 and median monthly rent is $864. Medicare beneficiaries in Luzerne 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.