UNION COUNTY
Health Statistics and Analysis - Union County
| NEIGHBORING COUNTY | Uninsured Adults |
| Union County | 16% |
| Essex County | 15% |
| Hudson County | 16% |
| Middlesex County | 11% |
| Morris County | 6% |
| Somerset County | 7% |
An estimated 16% of Union County adult residents have insufficient health insurance coverage, which is higher than the New Jersey State average of 11%. Among the adjacent counties, both Union County and Hudson County have the highest uninsured adult rate, while the lowest percentage belongs to Morris County.
Statewide, with 6% uninsured, Hunterdon County has the highest percentage of its residents with proper health insurance coverage.Meanwhile, Passaic County has the highest uninsured adult rate statewide, at 17%.
There are at least 4 health insurance companies that offer affordable and frequently subsidized ACA health insurance to Union County residents, on and off the state-operated New Jersey’s official health insurance marketplace.
Health Problems
Nearly 19% of adults in Union County report health problems:
| Health Factors | % of Population |
| Adults who smoke | 15% |
| Higher than average alcohol consumption | 17% |
| Lack sufficient sleep | 39% |
Furthermore, 31% of the Union County population are physically inactive, which may have contributed to the obesity (with a BMI of 30 or more) of 28% of adult residents.
Union County’s obesity rate is higher than the New Jersey average:
| NEIGHBORING COUNTY | Obesity Rate |
| Union County | 28% |
| Essex County | 30% |
| Hudson County | 24% |
| Middlesex County | 26% |
| Morris County | 25% |
| Somerset County | 26% |
| State Average | 26% |
Medicare
In 2022, 88,462 Union County residents got enrolled in Medicare.
Union County Medicare Utilization:
| MEDICARE PLAN TYPE | Usage Among Eligible Users |
| Original Medicare | 57% |
| Medicare Advantage | 43% |
| Original Medicare Part A and Part B | 44% |
| Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries | 43% |
| Medicare Part D (Medigap) | 77% |
| Medicare Advantage Prescription Drug Plan | 75% |
| Source: Data.CMS.gov | |
Health Insurance Analysis
Driving Statistics and Analysis - Union County
In 2022 there were around 378,269 private and commercial automobiles registered in Union County, which represented an estimated 6% of the total vehicles registered in New Jersey.
68% of Union County’s adult drivers commute to their places of employment alone, and about 43% of those commutes require more than an hour to complete each way.
Motor Vehicle Crashes in Union County
Motor vehicle fatalities in Union County statistically occur at a rate of 6 per 100,000 vehicles on the road. Roughly 27% of motor vehicle fatalities in Union County are caused by alcohol-impaired driving.
According to the New Jersey Department of Transportation (NJDOT), in 2020, there were 13,779 crashes recorded in Union County, and 29 of those crashes led to 30 deaths, as stated by the New Jersey State Police (NJSP).
Union County - Auto Insurance Analysis
| Nearly 380 thousand vehicles registered in Union County need insurance coverage
Auto Insurance Required in Union 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 - Union County
| NEIGHBORING COUNTY | Homeowners | Renters |
| Union County | 59% | 41% |
| Essex County | 44% | 56% |
| Hudson County | 32% | 68% |
| Middlesex County | 64% | 36% |
| Morris County | 74% | 26% |
| Somerset County | 76% | 24% |
| State Average | 64% | 36% |
Union County has an estimated 204,977 dwelling properties (est. 2022), and these residences are almost evenly distributed between renters and homeowners — with a homeownership percentage lower than New Jersey’s average. Among the neighboring counties, the highest homeownership figure belongs to Somerset County, where 1 out of 4 homes is a rental. On the other hand, Hudson County has the lowest rate of homeownership in the region and in the state - with nearly 7 out of 10 residences for rent. Hunterdon County has the highest percentage of owner-occupied residences in the state.
24% of Union County residential properties encounter housing problems, issues with the kitchen, overcrowding, or substandard plumbing. In 18% of homes, residents spend more than half of their income on housing.
Union County Housing Insurance Analysis
| Around 205 thousand housing units in Union County need insurance coverage: | ||
| ≈ 121,000 Homeowner
Occupied Dwellings |
HOMEOWNERS Insurance | All homeowners of residential properties should at least buy property insurance in order to protect the existing financial investment from possible loss or damage. |
| CONDO Insurance | ||
| COMMERCIAL PROPERTY Insurance (for multi-unit properties) | ||
| MANUFACTURED HOME Insurance | ||
| ≈ 84,000 Rental Units | LANDLORDS Insurance | Landlords acquire 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 enough. |
| RENTERS Insurance in Elizabeth | Tenants purchase 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 Union County list Renters insurance as a prerequisite of the lease. |
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Union County’s proximity to the Atlantic Ocean makes it susceptible to the wind and flood damages brought about by hurricanes and storms. The highest probability of hurricanes forming and causing damage to the county is typically between August and late October. Residents of Union County must know the safety procedures and guidelines set by the county and state agencies. Homeowners, landlords, and renters in Union County should secure appropriate insurance coverage in order to protect their property from wind and water damages and even total loss.
Commerce and Insurance in Union County
| Largest Job-Creating Sectors in Union County |
| Health Care & Social Assistance |
| Retail Trade |
| Transportation and Warehousing |
There are nearly 14 thousand business establishments in Union County, and each of these businesses has varying commercial insurance needs.
Commercial Insurance Analysis
End of Life Statistics and Analysis - Union County
| NEIGHBORING COUNTY | Average Life Expectancy |
| Union County | 79.8 |
| Essex County | 78.0 |
| Hudson County | 80.5 |
| Middlesex County | 80.6 |
| Morris County | 81.8 |
| Somerset County | 81.9 |
Union County residents have an average life expectancy of 79.8 years old, which is comparable to New Jersey’s average lifespan of 79.5 years. In the immediate area, Somerset County has the longest life expectancy, while Essex County has the shortest average life span.
Across New Jersey, 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 83,000 seniors (65 and older) living in Union County.
Life Insurance Facts
Funeral Expenses Statistics and Analysis in Union County
The cost of the average funeral services in Union County is around $7,300, which is higher compared to the New Jersey State average of $6,900. Among its bordering counties, Essex County has the most expensive funerals at $7,500, while Hudson County’s $6,100 average is the lowest.
Statewide, Cape May County has the most expensive funeral average cost at $8,300, while Salem County’s average funeral expenses are the most affordable, at $5,300.
Life Insurance Analysis
Most Common Life Insurance in Union 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) |
