ACA Health Insurance in Monroe County, Florida. About 19,201 Medicare beneficiaries live here, with roughly 19 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.
Monroe County, FL has about 80,900 residents per the 2024 ACS 5-year estimates (26% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana, UnitedHealthcare, Aetna. We compare options at no cost to you.
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The Monroe County aca health insurance market
Monroe County has about 80,900 residents, 26% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana, UnitedHealthcare, Aetna — 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 Monroe 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).
Monroe County at a glance
Population (2024 ACS)
80,900
Medicare beneficiaries
19,201
MA penetration
19%
Age 65 or older
26%
What makes Monroe County different: Monroe County — the Florida Keys — has the lowest Medicare Advantage penetration of any county in Florida, roughly 19-21% versus a statewide ~60%, because the geographically isolated island chain supports few MA networks, leaving most seniors on Original Medicare plus a supplement. Its hospitals are spread across the Keys: Lower Keys Medical Center in Key West, Baptist Health Mariners Hospital in the Upper Keys, and Baptist Health Fishermen's Community Hospital in Marathon.
Top carriers in Monroe County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Aetna
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 Monroe 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. Monroe County has 3
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
▸Lower Keys Medical Center (Key West)
▸Baptist Health Mariners Hospital (Tavernier)
▸Baptist Health Fishermen's Community Hospital (Marathon)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Lower Keys Medical Center (Key West), Baptist Health Mariners Hospital (Tavernier), Baptist Health Fishermen's Community Hospital (Marathon)
Frequently Asked Questions
How many people live in Monroe County?▾
Monroe County has about 80,900 residents per the 2024 ACS 5-year estimates; 26% are age 65 or older.
Who are the top insurers in Monroe County?▾
The largest carriers in Monroe County are Humana, UnitedHealthcare, Aetna. 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 Monroe County?▾
Florida SHINE — Monroe (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Lower Keys Medical Center (Key West), Baptist Health Mariners Hospital (Tavernier), Baptist Health Fishermen's Community Hospital (Marathon).
Why are fewer seniors choosing Medicare Advantage plans in Monroe County?▾
Monroe County, home of the Florida Keys, has the lowest Medicare Advantage penetration at about 19-21%, compared to a statewide average of around 60%. This is due to the geographically isolated nature of the island chain, which supports few MA networks.
When can I enroll in ACA Marketplace plans for Monroe County residents?▾
Monroe County residents can enroll during the Annual Enrollment Period from October 15th to December 7th. Special enrollment periods may also apply if you experience a qualifying life event, such as losing other coverage or moving.
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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.
