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Health Statistics and Analysis - Middlesex County

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:

Middlesex County 26%
Monmouth County 29%
Somerset County 26%
Mercer County 31%
Union County 28%
State Average 26%


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

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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
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Residential Property Statistics and Analysis - Middlesex County

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)
≈ 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.

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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

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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

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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

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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)