ACA Health Insurance in Suwannee County, Florida. About 12,576 Medicare beneficiaries live here, with roughly 53 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.
Suwannee County ACA Health Insurance — quick answer
Suwannee County, FL has about 48,495 residents per the 2024 ACS 5-year estimates (21% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana, UnitedHealthcare, Preferred Care Partners. We compare options at no cost to you.
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The Suwannee County aca health insurance market
Suwannee County has about 48,495 residents, 21% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana, UnitedHealthcare, Preferred Care Partners — 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 Suwannee 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).
Suwannee County at a glance
Population (2024 ACS)
48,495
Medicare beneficiaries
12,576
MA penetration
53%
Age 65 or older
21%
What makes Suwannee County different: Live Oak, the Suwannee County seat, lost its inpatient hospital when Shands Live Oak was acquired by HCA and converted to emergency-only on May 1, 2020; residents now rely on the 12-bed HCA Florida Suwannee Emergency ER (an extension of Lake City Hospital) and travel 25+ miles for inpatient care, making telehealth and Medicare access acute issues in this farming and timber county.
Top carriers in Suwannee County
Humana
4.5-star CMS rating
UnitedHealthcare
4.5-star CMS rating
Preferred Care Partners (UnitedHealth)
4-star CMS rating
WellCare (Centene)
4-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 Suwannee 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. Suwannee 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: HCA Florida Suwannee Emergency (Live Oak, 12-bed freestanding ER), HCA Florida Lake City Hospital (nearest inpatient)
Frequently Asked Questions
How many people live in Suwannee County?▾
Suwannee County has about 48,495 residents per the 2024 ACS 5-year estimates; 21% are age 65 or older.
Who are the top insurers in Suwannee County?▾
The largest carriers in Suwannee County are Humana, UnitedHealthcare, Preferred Care Partners (UnitedHealth), 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 Suwannee County?▾
Florida SHINE — Suwannee County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Suwannee Emergency (Live Oak, 12-bed freestanding ER), HCA Florida Lake City Hospital (nearest inpatient).
How does the lack of an inpatient hospital affect Medicare beneficiaries in Suwannee County?▾
Medicare beneficiaries in Suwannee County face challenges due to the loss of Shands Live Oak Hospital. They now rely on a 12-bed emergency room and must travel over 25 miles for inpatient care, emphasizing the importance of telehealth options.
When is the best time to enroll in Marketplace plans?▾
Enrollment periods include Annual Enrollment Period (Oct 15-Dec 7) and Special Enrollments. It’s important to review your options year-round to ensure you have coverage that fits your needs.
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