Final Expense in Flagler County, Florida. About 47,657 Medicare beneficiaries live here, with roughly 56 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.
Flagler County, FL has about 144,436 residents per the 2024 ACS 5-year estimates (32% age 65 or older). The leading insurance carriers serving the county for final expense include Humana, UnitedHealthcare, Aetna. We compare options at no cost to you.
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The Flagler County final expense market
Flagler County has about 144,436 residents, 32% of them 65 or older. For final expense, 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 Flagler 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).
Flagler County at a glance
Population (2024 ACS)
144,436
Medicare beneficiaries
47,657
MA penetration
56%
Age 65 or older
32%
What makes Flagler County different: Flagler County is one of Florida's most retiree-heavy counties — about 31.8% of residents are 65 or older, far above the state's 21.8% — driven by the planned community of Palm Coast. Healthcare is centered on AdventHealth Palm Coast, the first hospital built in the county and one of its largest employers, now joined by a second campus, AdventHealth Palm Coast Parkway.
Top carriers in Flagler County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Aetna
3.5-star CMS rating
Devoted Health
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 Flagler County
Each Final Expense plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Flagler 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 to verify
▸AdventHealth Palm Coast
▸AdventHealth Palm Coast Parkway
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: AdventHealth Palm Coast, AdventHealth Palm Coast Parkway
Frequently Asked Questions
How many people live in Flagler County?▾
Flagler County has about 144,436 residents per the 2024 ACS 5-year estimates; 32% are age 65 or older.
Who are the top insurers in Flagler County?▾
The largest carriers in Flagler County are Humana, UnitedHealthcare, Aetna, Devoted Health. 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 Flagler County?▾
Florida SHINE — Flagler (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include AdventHealth Palm Coast, AdventHealth Palm Coast Parkway.
How does the high percentage of seniors in Flagler County affect my final expense coverage?▾
With over 32% of residents aged 65+, Flagler County has a higher concentration of seniors. This means more tailored options for your unique needs, ensuring comprehensive coverage for funeral and burial costs.
When is the best time to enroll in final expense insurance?▾
Enrollment periods include Annual Enrollment Period (AEP) from Oct 15-Dec 7 each year. Also consider Special Enrolment Periods (SEPs) if you experience a qualifying life event.
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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.
