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Medicare
Pennsylvania
McKean
Port Allegany
16738

Medicare in ZIP Code 

16738

 — 

Port Allegany

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

2018

Population

41.8211

Latitude

-78.6805

Longitude

Key Points

  • ZIP code 16738 in Mckean County, Pennsylvania, is home to 2,018 residents. 11.2% are seniors age 65-plus (227 people), well above national average.
  • Median age in 16738 is 39.2 years. This rural ZIP code has strong family and community ties, making healthcare access important.
  • Median household income: $64,450,. Median home value $117,300. Monthly rent averages $845.
  • Poverty rate: 9.1%. Unemployment: 2.4%. These economic indicators matter for Medicare eligibility and cost-assistance programs.
  • Education level: 11.2% earn bachelor's degree or higher. Mckean County SHIP counselors provide free Medicare guidance and plan comparisons.
  • Medicare beneficiaries in 16738 choose from Original Medicare, Medicare Advantage (often $0 premium), Medigap, and Part D prescription plans.
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 16738 is located in Mckean County, Pennsylvania, centered near Port Allegany, with a total population of 2,018 and a median age of 39.2. This is a rural community where 11.2% of the population is 65 or older (approximately 227 individuals). While the senior share is below the national average, Medicare beneficiaries in this area still access quality healthcare options. The racial and ethnic composition includes 65.4% White, 31.2% Black/African American, 12.4% Hispanic/Latino. Approximately 8.2% of adults hold a bachelor's degree or higher — SHIP counselors and community health workers can help residents navigate Medicare enrollment and plan choices.

Economic Metrics

The median household income is $64,450, 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 9.1%. The unemployment rate is 2.4%. The median home value is $117,300 and median monthly rent is $845. Medicare beneficiaries in Mckean 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 

16738

Bradford

McKean
County

Kane

McKean
County

Frequently Asked Medicare Questions

Should I go with Original Medicare plus a supplement or Medicare Advantage?

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Medicare Advantage Plans 

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Key Takeaways

ZIP code 16738 is a rural community in Mckean County, Pennsylvania with 2,018 residents and median age 39.2 years. Seniors age 65-plus comprise 11.2% of the population—227 people—which is significantly higher than the national average of 17%. 11.2% of adults hold a bachelor's degree or higher. Poverty rate is 9.1%. Unemployment stands at 2.4%.

Median household income in ZIP 16738 is $64,450,. Median home value is $117,300, and median monthly rent is $845. Beneficiaries can choose Original Medicare with Medigap supplement, Medicare Advantage with $0 premiums, or Medigap alone. Part D prescription drug coverage must be reviewed annually. During Open Enrollment (October 15 – December 7), Mckean County SHIP offers free, unbiased Medicare counseling and plan comparisons.

‍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