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ZIP code 18846 is located in Bradford County, Pennsylvania, centered near Towanda, with a total population of 760 and a median age of 51.6. This is a rural community with a notably high senior population — 30.0% of residents are 65 or older (approximately 228 individuals), well above the national average of 17%. This creates strong demand for Medicare services, local healthcare providers, and senior support programs. The racial and ethnic composition includes 89.1% White, 4.5% Hispanic/Latino. Approximately 21.3% 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 $84,792, near the national median. Many residents may find Medicare Advantage plans with $0 premiums to be an attractive option, while others may prefer Original Medicare with a Medigap supplement for broader provider access. The poverty rate is 8.4%. The unemployment rate of 8.2% 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 $241,100 and median monthly rent is $1,261. Medicare beneficiaries in Bradford 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.