ACA Health Insurance in Franklin County, Florida. About 3,615 Medicare beneficiaries live here, with roughly 53 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare / AARP. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Franklin County ACA Health Insurance — quick answer
Franklin County, FL has about 12,553 residents per the 2024 ACS 5-year estimates (27% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana, UnitedHealthcare / AARP, WellCare — Dual Access Sync / Dual Reserve / Sunshine Health Dual Align D-SNP. We compare options at no cost to you.
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The Franklin County aca health insurance market
Franklin County has about 12,553 residents, 27% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana, UnitedHealthcare / AARP, WellCare — Dual Access Sync / Dual Reserve / Sunshine Health Dual Align D-SNP — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana against every other carrier serving Franklin County at no cost, because the plan with the lowest sticker premium is rarely the one with the lowest total annual cost once subsidies, deductibles, and your prescriptions are factored in. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Franklin County at a glance
Population (2024 ACS)
12,553
Medicare beneficiaries
3,615
MA penetration
53%
Age 65 or older
27%
What makes Franklin County different: Franklin County's economy historically depended on Apalachicola Bay, which once produced over 90% of Florida's oysters; after years of decline the bay was closed to all oyster harvesting in 2020 (a five-year closure adopted in 2021) until a limited reopening Jan. 1, 2026, leaving the local economy heavily tourism-dependent and accelerating its shift toward a retiree-heavy population (median age ~50, well above Florida's ~42) served by a single 25-bed critical-access hospital.
Top carriers in Franklin County
Humana (HumanaChoice Florida PPO / Value & USAA Honor Giveback)
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Before you enroll: verify your hospital + doctor in Franklin County
Each ACA Health Insurance plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Franklin County has 2
major hospital systems. Before you enroll, check that your preferred hospital and physicians
participate in the specific plan you're considering.
Major hospitals to verify
▸George E. Weems Memorial Hospital (Apalachicola) — 25-bed critical access hospital
▸Tallahassee Memorial HealthCare (regional referral, ~75 miles)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: George E. Weems Memorial Hospital (Apalachicola) — 25-bed critical access hospital, Tallahassee Memorial HealthCare (regional referral, ~75 miles)
Frequently Asked Questions
How many people live in Franklin County?▾
Franklin County has about 12,553 residents per the 2024 ACS 5-year estimates; 27% are age 65 or older.
Who are the top insurers in Franklin County?▾
The largest carriers in Franklin County are Humana (HumanaChoice Florida PPO / Value & USAA Honor Giveback), UnitedHealthcare / AARP (incl. UHC Dual Complete D-SNP), WellCare (Centene) — Dual Access Sync / Dual Reserve / Sunshine Health Dual Align D-SNP. We work with all of them and a few smaller carriers that often have better rates for specific situations.
What state resources are available in Franklin County?▾
Florida SHINE — Franklin (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include George E. Weems Memorial Hospital (Apalachicola) — 25-bed critical access hospital, Tallahassee Memorial HealthCare (regional referral, ~75 miles).
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Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
