ACA Health Insurance in Putnam County, Florida. About 22,097 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.
Putnam County, FL has about 78,295 residents per the 2024 ACS 5-year estimates (24% 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 Putnam County aca health insurance market
Putnam County has about 78,295 residents, 24% 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 Putnam 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).
Putnam County at a glance
Population (2024 ACS)
78,295
Medicare beneficiaries
22,097
MA penetration
58%
Age 65 or older
24%
What makes Putnam County different: Putnam County is a rural, lower-income North Florida county on the St. Johns River whose economy leans on agriculture, forestry/paper production and the county seat of Palatka. About 24.4% of residents are 65 or older, and despite its rural profile Medicare Advantage penetration is high (~57%); HCA Florida Putnam Hospital in Palatka is the county's main acute-care provider.
Top carriers in Putnam 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 Putnam 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. Putnam 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
▸HCA Florida Putnam Hospital (Palatka)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: HCA Florida Putnam Hospital (Palatka)
Frequently Asked Questions
How many people live in Putnam County?▾
Putnam County has about 78,295 residents per the 2024 ACS 5-year estimates; 24% are age 65 or older.
Who are the top insurers in Putnam County?▾
The largest carriers in Putnam 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 Putnam County?▾
Florida SHINE — Putnam (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Putnam Hospital (Palatka).
How does Medicare Advantage penetration being high affect ACA plans in Putnam County?▾
In Putnam County, nearly 57% of residents have Medicare Advantage. This means many are already covered, so ACA plans may appeal more to those without Medicare or looking for additional coverage options.
When is the best time to enroll in ACA Marketplace plans?▾
The Annual Enrollment Period (AEP) runs from October 15 to December 7. However, you can also enroll during a Special Enrollment Period (SEP) if you have a qualifying life event. It’s always good to check with your local agent for personalized advice.
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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.
