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Health Statistics and Analysis - Ocean County

Ocean County 9%
Atlantic County 13%
Burlington County 7%
Monmouth County 8%

Close to 9% of the adult population of Ocean County do not have proper health insurance coverage— two percentage points lower compared to the New Jersey State average of 11%. In the neighboring area, Atlantic County has the highest uninsured rate, while the lowest figure belongs to Burlington County.

Across New Jersey, Hunterdon County has the highest percentage of residents with proper health insurance coverage, with 6% uninsured. On the other hand, Passaic County has the highest uninsured adult rate statewide, at 17%.

At least 4 health insurance companies offer affordable and frequently subsidized ACA health insurance to Ocean County residents, on and off the state-operated New Jersey’s official health insurance marketplace.

Health Problems

About 16% of adults in Ocean County report health problems:

Health Factors % of Population
Adults who smoke 18%
Higher than average alcohol consumption 19%
Lack sufficient sleep 38%

Nearly 27% of the Ocean County population are physically inactive, which likely contributes to the obesity (with a BMI of 30 or more) of 28% of adult residents.

Ocean County’s obesity rate is higher than the New Jersey average of 26%, and the same is true for its neighboring counties:

Ocean County 28%
Atlantic County 30%
Burlington County 30%
Monmouth County 29%
State Average 26%


In 2022, 157,967 Ocean County residents were enrolled in Medicare.

Ocean County Medicare Utilization:

MEDICARE PLAN TYPE % of Eligible Users
Original Medicare 65%
Medicare Advantage 35%
Original Medicare Part A and Part B 58%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 35%
Medicare Part D (Medigap) 89%
Medicare Advantage Prescription Drug Plan 63%
Source: Data.CMS.gov

Health Insurance Analysis

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Driving Statistics and Analysis - Ocean County

In 2022, there were approximately 436,081 private and commercial vehicles registered in Ocean County. This number constituted around 7% of the total vehicles registered in the State of New Jersey.

Nearly 82% of Ocean County’s adult drivers travel to their places of work alone, and about 43% of those commutes last for more than an hour a day.

Motor Vehicle Crashes in Ocean County

Motor vehicle fatalities in Ocean County statistically occur at a rate of 8 per 100,000 vehicles on the road. Roughly 26% of motor vehicle fatalities in Ocean County are related to alcohol-impaired driving.

According to the New Jersey Department of Transportation (NJDOT), in 2020, there were 11,970 crashes recorded in Ocean County, and 30 of those crashes led to 30 fatalities, as reported by the New Jersey State Police (NJSP).

Ocean County - Auto Insurance Analysis

Nearly 440 thousand vehicles registered in Ocean County need insurance coverage

Auto Insurance Required in Ocean 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 - Ocean County

Ocean County 80% 20%
Atlantic County 67% 33%
Burlington County 75% 25%
Monmouth County 74% 26%
State Average 64% 36%

Ocean County has an estimated 289,382 residential properties, and 80% of these homes are inhabited by their owners— the highest homeownership figure among its neighbors and higher than New Jersey’s average of 64%. Looking at the neighboring counties, their figures show that most of the houses in the region are owner-occupied. Meanwhile, Atlantic County has the highest proportion of rentals in the region, followed by Monmouth County.

Across New Jersey, Hunterdon County has the highest percentage of owner-occupied homes (84%), while Hudson County has the most proportion of rental units (68%).

Around 19% of Ocean County dwelling units encounter housing problems, kitchen issues, overcrowding, or poor plumbing. In 17% of homes, residents allocate more than half of their income to housing.

Ocean County Housing Insurance Analysis

About 290 thousand housing units in Ocean County need insurance coverage:
≈ 232,000 Homeowner

Occupied Dwellings

HOMEOWNERS Insurance All homeowners of residential properties should at least acquire property insurance in order to protect the existing financial investment from possible loss or damage.
CONDO Insurance
COMMERCIAL PROPERTY Insurance (for multi-unit properties)
≈ 58,000 Rental Units LANDLORDS Insurance Landlords obtain insurance that covers the property itself and from the possible liability claims arising from the tenants and their guests.

If you rent out your home, basic homeowners insurance is not sufficient.

RENTERS Insurance in Lakewood Township Tenants obtain renters insurance coverage to protect their belongings from possible damage or loss while in a rented space. Average renters’ insurance is affordable and usually covers the tenant's property from loss and damages caused by vandalism, fire, smoke, and water.

Most landlords in Ocean County list Renters insurance as a prerequisite of the lease.

Ocean County is located near the Atlantic Ocean, making it prone to wind and flood damages caused by hurricanes and storms. Between August and late October, hurricanes are likely to form and cause damage to the county, which is why Ocean County residents must be aware of the safety procedures and guidelines set by the county and state agencies. Homeowners, renters, and landlords in Ocean County should secure appropriate insurance coverage to protect their property from water and wind damages and total loss.

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Commerce and Insurance in Ocean County

Largest Job-Creating Sectors in Ocean County
Health Care & Social Assistance
Retail Trade
Educational Services

Nearly 14 thousand business establishments are registered in Ocean County, and each of these businesses has different commercial insurance needs.

Commercial Insurance Analysis

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End of Life Statistics and Analysis - Ocean County

NEIGHBORING COUNTY Average Life Expectancy
Ocean County 78.5
Atlantic County 76.7
Burlington County 79.1
Monmouth County 79.8

Ocean County residents have an average life expectancy of 78.5 years old, which is shorter than New Jersey’s average lifespan of 79.5 years. Comparing the neighbors, Monmouth County has the longest average life expectancy, followed by Burlington County. On the other end of the spectrum, Atlantic County has the shortest average life span.

Statewide, the longest average life expectancy is recorded in Hunterdon County at 83.2 years old, while the shortest is in Salem County at 74 years.

In 2022, there were more than 142,000 seniors (65 and older) residing in Ocean County.

Life Insurance Facts

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Funeral Expenses Statistics and Analysis in Ocean County

The average funeral services cost in Ocean County is around $6,800, which is comparable to the New Jersey State average of $6,900. Among the four neighbors, Monmouth County usually has the most expensive funerals at an average of $7,500, while Ocean County and Atlantic County’s $6,800 average is the most affordable.

Throughout New Jersey, Salem County's average funeral expenses are the most affordable at $5,300, while Cape May County has the most costly average at $8,300.

Life Insurance Analysis

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Most Common Life Insurance in Ocean 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)