The numbers behind Medicare in St. Clair County
| St. Clair County | Michigan | |
|---|---|---|
| Residents age 65 and older | 33,468 | 1,926,752 statewide |
| Share of residents age 65+ | 20.9% | 19.2% statewide |
| People with Medicare | 42,891 | 2,334,917 statewide |
| Enrolled in Medicare Advantage | 27,208 | 1,484,072 statewide |
| Medicare Advantage share | 63.4% | 63.6% statewide |
Sources: Census Bureau 2023 estimates and CMS Medicare Advantage penetration, September 2026.
St. Clair County ranks 13th of 83 Michigan counties by number of residents age 65 and older, with about 33,468 people in that age group, or 20.9% of residents (statewide: 19.2%). The 12,733 residents now between 60 and 64 will become Medicare-eligible soon, and our turning 65 guide walks through it. Census 2023 estimates show 61% of the 65-plus population is under 75, 31% is 75 to 84 and 9% is 85 or older. About 63.4% of people with Medicare in St. Clair County are enrolled in a Medicare Advantage plan. That is close to the Michigan average of 63.6%. What most people do in a county is less important than what fits you. We weigh Medicare Advantage against Original Medicare with Medigap using your doctors, your drugs and your budget.
Who has Medicare in St. Clair County
St. Clair County sits in a metro area, which the USDA defines as counties in metro areas of 1 million population or more. That usually means more doctors, more hospitals and more plan choices in the area.
CMS counts 41,747 Medicare beneficiaries in St. Clair County (2023). Their average age is 71, about the same as the Michigan average of 72. About 20% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 20%.
Among people in Original Medicare in St. Clair County, CMS reported about 693 emergency room visits and 268 inpatient hospital stays per 1,000 beneficiaries in 2023, which is close to the state average for emergency visits (645) and close to it for hospital stays (245). About 9% received home health care. These figures describe how people use care under Original Medicare; they do not show what any plan covers or costs.
Sources: CMS Medicare Geographic Variation, 2023; USDA Rural-Urban Continuum Codes, 2023.
Where you live decides which Medicare Advantage and Part D plans you can join, and St. Clair County may have a different set of plans than the counties around it. We are not based in St. Clair County; we help St. Clair County residents by phone or video call.
Hospitals located in St. Clair County
The Centers for Medicare & Medicaid Services (CMS) lists these hospitals in St. Clair County:
- Ascension River District Hospital — East China (acute care; government-owned; emergency services; CMS overall rating 3 of 5)
- Lake Huron Medical Center — Port Huron (acute care; nonprofit; emergency services; CMS overall rating 4 of 5)
Being located in the county is not the same as being in your plan’s network. Each Medicare Advantage plan builds its own network, so we confirm that your hospital and your doctors are included before you choose. Ratings are CMS Care Compare overall hospital star ratings; they describe the hospital, not whether a plan covers it. Source: CMS Hospital General Information.
St. Clair County: communities and ZIP codes
The largest communities in St. Clair County by 2023 Census population estimates are Port Huron (28,383), Marysville (9,917), St. Clair (5,887), Algonac (4,125), Marine City (4,017), Capac (1,968). Each figure counts only the people living inside the county.
ZIP codes that fall mostly inside St. Clair County include 48001, 48002, 48006, 48014, 48022, 48023, 48027, 48028, 48032, 48039, 48040, 48041, 48049, 48054 and 7 more. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in St. Clair County?
Reach out to us: fill out our short form or call (571) 354-0146, and a licensed agent will compare the plans available to you, check your doctors and drugs, and stay with you each year at renewal. For general Medicare information, the federal helpline is 1-800-MEDICARE (1-800-633-4227).
Medicare resources from official sources
- Medicare Plan Finder on Medicare.gov, searchable by ZIP code.
- HealthCare.gov if you are not yet on Medicare.
- Medicare Care Compare for hospitals and doctors.
- Social Security: Medicare to enroll or check status.
- Michigan Department of Insurance and Financial Services: Michigan’s insurance regulator, including agent license lookup.
Coverage we offer St. Clair County residents
Here is what we can help St. Clair County residents with, drawing on plans from many insurers: Part D drug plans, ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage and Medicare Supplement (Medigap).
Let’s check your St. Clair County options together
We confirm your doctors and prescriptions before you enroll, at no cost to you.
Get my plan comparisonRead next
- Why a Medicare Advantage plan drops a doctor or drug
- Medicare Parts A, B, C and D explained
- How to read your Medicare Annual Notice of Change
- Does Medicare cover dental, vision and hearing?
St. Clair County compared with similar Michigan counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| Muskegon County | 33,437 | 75.4% | 28% | Metro |
| Berrien County | 33,509 | 57.0% | 12% | Metro |
| Monroe County | 31,774 | 62.3% | 15% | Metro |
| Jackson County | 31,324 | 61.3% | 20% | Metro |
| Saginaw County | 39,113 | 68.3% | 21% | Metro |
| Livingston County | 40,325 | 55.1% | 9% | Metro |
See every Michigan county in our Michigan directory or go to our Michigan Medicare hub.