Chipley-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Washington County, FL has about 26,932 residents per the 2024 ACS 5-year estimates (19% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana, UnitedHealthcare, Florida Blue Medicare. We compare options at no cost to you.
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Washington County has about 26,932 residents, 19% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana, UnitedHealthcare, Florida Blue Medicare — 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 Washington 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).
What makes Washington County different: Washington County is a rural, medically underserved Panhandle county whose only hospital, the 59-bed Northwest Florida Community Hospital in Chipley, is a federally designated Critical Access Hospital. The county sits along I-10 between Panama City and Tallahassee with an economy rooted in agriculture and timber.
Humana
3.5-star CMS rating
UnitedHealthcare (AARP)
4-star CMS rating
Florida Blue Medicare
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
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. Washington County has 2 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Washington County plans that fit your situation.
Washington County has about 26,932 residents per the 2024 ACS 5-year estimates; 19% are age 65 or older.
The largest carriers in Washington County are Humana, UnitedHealthcare (AARP), Florida Blue Medicare. We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Washington County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Northwest Florida Community Hospital (Chipley, Critical Access), Doctors Memorial Hospital (Bonifay, Holmes County, adjacent).
Due to Northwest Florida Community Hospital being a Critical Access Hospital, coverage options may be limited. Matt can help you find plans that fit your needs and ensure they include necessary local provider networks.
Seniors should consider enrolling during Annual Enrollment Period (AEP) from October 15 to December 7 each year. However, Special Enrollment Periods may also be available if there are life changes affecting your coverage.
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