ACA Health Insurance in Madison County, Florida. About 4,938 Medicare beneficiaries live here, with roughly 58 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Madison County ACA Health Insurance — quick answer
Madison County, FL has about 18,089 residents per the 2024 ACS 5-year estimates (23% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana, UnitedHealthcare, WellCare. We compare options at no cost to you.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
The Madison County aca health insurance market
Madison County has about 18,089 residents, 23% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana, UnitedHealthcare, WellCare — 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 Madison 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).
Madison County at a glance
Population (2024 ACS)
18,089
Medicare beneficiaries
4,938
MA penetration
58%
Age 65 or older
23%
What makes Madison County different: Madison County is served by Madison County Memorial Hospital, a 25-bed not-for-profit facility that is one of only about 12 Critical Access Hospitals in Florida, and despite being a low-income rural county (per capita income roughly half the state average, ~21% poverty), its Medicare Advantage penetration of about 56% runs above the national average (~54%) though below Florida's high statewide rate (~60%), with Humana and UnitedHealthcare as the dominant MA carriers.
Top carriers in Madison County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
WellCare (Centene)
3.5-star CMS rating
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 Madison 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. Madison County has 1
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
▸Madison County Memorial Hospital
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Madison County has about 18,089 residents per the 2024 ACS 5-year estimates; 23% are age 65 or older.
Who are the top insurers in Madison County?▾
The largest carriers in Madison County are Humana, UnitedHealthcare, WellCare (Centene). 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 Madison County?▾
Florida SHINE — Madison (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Madison County Memorial Hospital.
Hey 👋 — I'm trained on every page of gironagency.com. Ask me anything
about Medicare, ACA, or life insurance and I'll cite the exact source. For specific quotes or applications, I'll send you to Matt.
Try one of these
Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
