MIDDLESEX COUNTY
Health Statistics and Analysis - Middlesex County
| NEIGHBORING COUNTY | Uninsured Adults |
| Middlesex County | 11% |
| Monmouth County | 8% |
| Somerset County | 7% |
| Mercer County | 11% |
| Union County | 16% |
Similar to New Jersey and its neighbor Mercer County, Middlesex County’s rate of uninsured adults is 11%. This figure is the second-highest in the immediate region, after Union County. The lowest rate of adults that lack proper health insurance coverage is seen in Somerset County.
The most uninsured in the state are in Passaic County (17%), while the lowest least is in Hunterdon County (6%).
At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to the residents of Middlesex County, on and off the state-operated New Jersey’s official health insurance marketplace.
Health Problems
An estimated 15% of adults Middlesex County residents report health problems:
| Health Factors | % of Population |
| Adults who smoke | 13% |
| Higher than average alcohol consumption | 16% |
| Lack sufficient sleep | 37% |
On top of these factors, about 26% of Middlesex County residents are considered physically inactive. This lack of engagement in physical exercise contributes to the county’s adult obesity rate (with a BMI of 30 or more) of 26%.
Middlesex County shares the same obesity rate as the NJ state average and one of its neighbors.
The remaining counties in its immediate area have higher obesity rates than New Jersey’s average:
| NEIGHBORING COUNTY | Obesity Rate |
| Middlesex County | 26% |
| Monmouth County | 29% |
| Somerset County | 26% |
| Mercer County | 31% |
| Union County | 28% |
| State Average | 26% |
Medicare
In 2022, 142,600 Middlesex County residents were enrolled in Medicare.
Middlesex County Medicare Utilization:
| MEDICARE PLAN TYPE | % of Eligible Users |
| Original Medicare | 64% |
| Medicare Advantage | 36% |
| Original Medicare Part A and Part B | 51% |
| Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries | 36% |
| Medicare Part D (Medigap) | 80% |
| Medicare Advantage Prescription Drug Plan | 72% |
| Source: Data.CMS.gov | |
Health Insurance Analysis
Driving Statistics and Analysis - Middlesex County
The roads of Middlesex County are home to about 571,880 locally registered vehicles. This figure is equivalent to more than 9% of all state-registered vehicles.
7 in 10 Middlesex County adults drive to and from their workplaces in a separate vehicle. Nearly half of those drivers are on the road for at least one hour per day.
Motor Vehicle Crashes in Middlesex County
Motor vehicle fatalities in Middlesex County occur at a statistical rate of 5 per 100,000 vehicles on the road. Among the driving deaths that the county witnesses, around 25% are caused by alcohol-impaired driving.
In 2020, data from the New Jersey Department of Transportation (NJDOT) showed that 18,132 crashes occurred in Middlesex County. According to the New Jersey State Police (NJSP), 61 of those crashes were fatal, claiming 67 lives.
Middlesex County - Auto Insurance Analysis
| Over 570 thousand vehicles registered in Middlesex County need insurance coverage
Auto Insurance Required in Middlesex County |
|
| Liability Coverage | Pays damages for causing the accident |
| Personal Injury Protection (PIP) | Pays your and your passenger's medical expenses |
| Uninsured Motorist Coverage | Protects the insured in an accident with uninsured or underinsured vehicle |
Residential Property Statistics and Analysis - Middlesex County
| NEIGHBORING COUNTY | Homeowners | Renters |
| Middlesex County | 64% | 36% |
| Monmouth County | 74% | 26% |
| Somerset County | 76% | 24% |
| Mercer County | 64% | 37% |
| Union County | 59% | 41% |
| State Average | 64% | 36% |
In and around Middlesex County, housing properties are mostly inhabited by their owners. Among Middlesex County’s estimated 307,373 homes, about 64% are owner-occupied. This figure is the same for the state-average of New Jersey and the neighbor - Mercer County. Looking at the other adjacent counties, the highest homeownership is observed in Somerset County.
At approximately 84%, Hunterdon County has the highest proportion of owner-occupied homes. On the other hand, Hudson County has the least owner-inhabited units (≈32%).
Nearly 2 in 10 Middlesex County homes report housing problems, including poor plumbing, kitchen issues, and overcrowding. In 16% of the dwelling units, residents spend at least half of their income on housing.
Middlesex County Housing Insurance Analysis
| More than 300 thousand housing properties in Middlesex County need insurance coverage: | ||
| ≈ 196,000 Homeowner
Occupied Dwellings |
HOMEOWNERS Insurance | All residential property owners should have property insurance to safeguard their underlying financial investment from possible loss or damage. |
| CONDO Insurance | ||
| COMMERCIAL PROPERTY Insurance (for multi-unit properties) | ||
| MANUFACTURED HOME Insurance | ||
| ≈ 111,000 Rental Units | LANDLORDS Insurance | Landlords buy insurance to cover their property and themselves from liability claims that the tenants and their guests may possibly file.
If you rent out your home, basic homeowners insurance is not sufficient. |
| RENTERS Insurance in Edison | Tenants buy renters insurance coverage to protect their belongings from possible damage or loss while in a rented unit. Average renters’ insurance is affordable and typically covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism.
Most landlords in Middlesex County include Renters insurance as a condition before they sign the lease. |
|
As Middlesex County is located near the Atlantic Ocean, it is vulnerable to the wind and flood damages caused by hurricanes and storms. The peak period in which hurricanes form and cause damage to the county is between August and late October. Middlesex County residents have to be aware of the safety procedures and guidelines set by county, and state agencies. Additionally, homeowners, landlords, and renters in Middlesex County must obtain appropriate insurance coverage to protect their property from wind and water damages, and even total loss.
Commerce and Insurance in Middlesex County
| Largest Job-Creating Sectors in Middlesex County |
| Health Care and Social Assistance |
| Professional, Scientific, & Technical Services |
| Retail Trade |
Middlesex County’s nearly 22 thousand business establishments have different commercial insurance needs.
Commercial Insurance Analysis
End of Life Statistics and Analysis - Middlesex County
| NEIGHBORING COUNTY | Average Life Expectancy |
| Middlesex County | 80.6 |
| Monmouth County | 79.8 |
| Somerset County | 81.9 |
| Mercer County | 79.3 |
| Union County | 79.8 |
Except for Mercer County, the residents of Middlesex County and its immediate area have an average life expectancy that is higher than the New Jersey average of 79.5 years. The longest average is recorded in Somerset County, closely followed by Middlesex County’s 80.6 years.
In the entire state, the longest average life expectancy is seen in Hunterdon County (82.3 years). The lowest statistic, on the other hand, is observed in Salem County (74 years).
In 2022, there were about 130,000 senior residents (65 and older) in Middlesex County.
Life Insurance Facts
Funeral Expenses Statistics and Analysis in Middlesex County
New Jersey’s traditional funeral cost average is around $6,900. At $7,500, Middlesex County’s figure is higher. Among its peers, Mercer County residents have the highest average funeral cost ($8,000) while Union County residents can expect to shell out the least amount ($7,300).
Throughout the state, Cape May County funeral homes tend to charge the highest average funeral expense fees, at $8,300. The state leader in terms of the most affordable funerals is Salem County ($5,300).
Life Insurance Analysis
Most Common Life Insurance in Middlesex County
| Typical Use | Life Insurance Policy Type |
| Burial Insurance
(Death Benefit of up to $50,000) |
Term Life |
| Final Expense Insurance | |
| Death benefit of over $50,000 - $500,000 at the lowest cost | Term Life |
| Lifelong protection, Retirement Planning, Living Benefits, Cash Value accumulation, Tax-free access to CV, and Death Benefit | Indexed Universal Life (IUL) |
