Home
Medicare
Pennsylvania
Lawrence
New Castle
16105

Medicare in ZIP Code 

16105

 — 

New Castle

County: 
Lawrence
Last Updated:  
Suburban
Young man showing a photo frame to an elderly woman turning 65, holding a small dog on a couch.

15195

Population

41.0241

Latitude

-80.3454

Longitude

Key Points

  • Seniors age 65 and older comprise 26.2% of the population, approximately 3,977 people in this ZIP code community.
  • 34.7% of adults have earned a bachelor's degree or completed higher education in this area.
  • Median household income is $67,256,, which helps determine eligibility for Medicare Savings Programs and Extra Help subsidies.
  • Poverty rate is 8.7%, meaning many residents may qualify for dual Medicare-Medicaid coverage with expanded benefits.
  • Median home value is $175,100, reflecting local real estate market conditions and property values in this region.
  • Median monthly rent is $965, important for budgeting healthcare costs alongside housing and other living expenses.
Smiling middle-aged woman in a nursing home paid for by medicare, giving a small wrapped gift to a seated elderly man in a cozy living room.Group of happy older adults missed their medicare enrollment, taking a cheerful selfie together in a cozy living room.Elderly man smiling during medicare AEP and handing a gift and flowers to an elderly woman who is looking up at him warmly.

Demographic Data

ZIP code 16105 is located in Lawrence County, Pennsylvania, centered near New Castle, with a total population of 15,195 and a median age of 46.0. This is a suburban community with a notably high senior population — 26.2% of residents are 65 or older (approximately 3,977 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 94.5% White, 2.8% Black/African American, 2.0% Hispanic/Latino. About 34.7% of adults hold a bachelor's degree or higher.

Economic Metrics

The median household income is $67,256, 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 8.7%. The unemployment rate is 4.2%. The median home value is $175,100 and median monthly rent is $965. Medicare beneficiaries in Lawrence 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.

Interactive Tools / Medicare Calculators

Decision area Tool What it answers
Enrollment Initial Enrollment Period Calculator When your 7-month Medicare eligibility window begins and ends based on your 65th birthday
Enrollment When Should I Sign Up for Medicare? The best time to enroll based on your work status, other coverage, and age
Enrollment Special Enrollment Period Checker Whether a life event qualifies you for enrollment outside the standard windows
Enrollment Late Enrollment Penalty Checker How much extra you'll pay monthly if you missed your enrollment window
Enrollment Part B Penalty Calculator The exact 10%-per-year premium increase for delayed Part B enrollment
Enrollment Part D Penalty Calculator The 1%-per-month premium increase for gaps in creditable drug coverage
Costs Cost Scenario Planner Estimated annual spending across plan types at different health utilization levels
Costs Advantage vs. Medigap Cost Comparison True cost difference between Medicare Advantage and Original Medicare with Medigap
Costs IRMAA Calculator Whether your income triggers higher Part B and Part D premiums
Costs Part A Premium Estimator Your monthly Part A premium based on work history and quarters of coverage
Costs M3P Calculator How the Medicare Prescription Payment Plan smooths your drug costs into monthly payments
Coverage Doctor & Drug Assessment Whether your providers and prescriptions are covered by a specific plan
Coverage Part D Shopping Tool Which Part D plan has the lowest total annual cost for your specific medications
Coverage Travel & Network Risk Assessment How your coverage works outside your home area and which plan types travel best
Employer/COBRA COBRA vs. Medicare Why COBRA can trigger permanent Medicare penalties and how costs compare
Employer/COBRA Employer Coverage vs. Medicare Whether your employer plan or Medicare is primary and when to transition
Employer/COBRA HSA & Medicare Compatibility How Medicare enrollment affects HSA eligibility and what to do before enrolling
Planning Caregiver Readiness Checklist Whether you have everything in place to help a loved one with Medicare decisions
Planning Document Gatherer Which documents you need to have ready before enrolling or changing plans
Planning Medigap Fit Assessment Whether Medigap or Medicare Advantage is the better fit for how you use healthcare
Planning Medigap Open Enrollment Window Whether you're inside your one-time guaranteed issue window for Medigap
Planning Medicare Savings Program Eligibility Whether your income qualifies you for help paying Medicare premiums and cost-sharing
Smiling elderly woman read how to enroll in medicare hugging an elderly man from behind as he holds a remote and papers while sitting on a couch.

Cities Near 

16105

Ellwood City

Lawrence
County

Frequently Asked Medicare Questions

Can I get Medicare if I have VA benefits?

Is Medicare just one plan or do I have to build it myself?

Should I use a Medicare agent to help me enroll?

Medicare Advantage Plans 

in 

Heading

 County 

Loading Pennsylvania Medicare plans...

Loading Ohio Medicare plans...

Loading Utah Medicare plans...

Key Takeaways

In ZIP code 16105, 26.2% of residents are age 65 or older. Medicare offers three main coverage types: Original Medicare provides hospital and doctor benefits, Medicare Advantage combines benefits in managed care networks, and Part D helps cover prescription drugs. Your Open Enrollment period runs from October 15 through December 7 each year, giving you time to review and compare all available plans.

With a median household income of $67,256, and a 8.7% poverty rate, many residents qualify for financial assistance programs. Extra Help reduces your prescription drug costs, while Medicare Savings Programs help pay premiums and other out-of-pocket expenses. Contact Pennsylvania SHIP for free counseling to compare plans and understand your Medicare options during Open Enrollment period.

‍CMS TPMO Compliance Disclaimer: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.

Not Government Affiliated: Resting Sycamore Advisors is a licensed Medicare insurance agency. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.

‍Data & Methodology for Research Articles: All provider, facility, quality star ratings, and enrollment data is sourced from primary CMS records (cms.gov), including the December 2025 CPSC Enrollment files and the January 2026 Provider Data Catalog. Calculations for patient-to-provider ratios are performed using indexed clinician and facility data. Everything on restingsycamore.com is for educational purposes and does not constitute an endorsement of any specific plan or provider.

Non-CMS Data Sources: Some  specific data was obtained from https://opendata.gov