34,106 Panama City residents — independent comparisons from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
What makes Panama City different: Bay County's seat absorbed a direct hit from Category 5 Hurricane Michael in 2018 and is still rebuilding, with Tyndall Air Force Base and the Navy's diving and salvage facility anchoring its economy.
Part C plans that bundle hospital, medical, and usually drug coverage.
Plans G, N, and high-deductible G that fill the gaps in Original Medicare.
Standalone prescription drug plans, including the 2026 $2,100 out-of-pocket threshold.
Marketplace plans for under-65 Texans and Floridians, with subsidy verification.
$5,000-$50,000 simplified-issue whole life for funeral and burial costs.
10-, 20-, and 30-year level term — the cheapest way to cover a mortgage or income.
Permanent insurance with guaranteed cash value and level premiums.
Pick a time — no sales pressure, no obligation. We'll walk through the plans that fit Panama City.
Across Bay County (which includes Panama City), the leading Medicare Advantage carriers are Humana, Florida Blue, UnitedHealthcare, WellCare. We work with all of them and most of the smaller carriers.
Major hospital systems in Bay County include Ascension Sacred Heart Bay (Panama City), HCA Florida Gulf Coast Hospital (Panama City). Most MA plans build their networks around these systems — so the right plan depends on which hospital your doctor is affiliated with.
Two free options: (1) your local SHIP — Florida SHINE - Bay at 1-800-963-5337 — and (2) us. SHIP counselors give unbiased plan information but cannot enroll you. We can do both at no cost to you.
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