Final Expense in Gilchrist County, Florida. About 4,823 Medicare beneficiaries live here, with roughly 51 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.
Gilchrist County, FL has about 19,040 residents per the 2024 ACS 5-year estimates (21% age 65 or older). The leading insurance carriers serving the county for final expense include Humana, UnitedHealthcare. We compare options at no cost to you.
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The Gilchrist County final expense market
Gilchrist County has about 19,040 residents, 21% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana, UnitedHealthcare — 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 Gilchrist 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).
Gilchrist County at a glance
Population (2024 ACS)
19,040
Medicare beneficiaries
4,823
MA penetration
51%
Age 65 or older
21%
What makes Gilchrist County different: Gilchrist County has no hospital located within its borders, so its Medicare beneficiaries rely on facilities roughly 30 miles away in Gainesville (UF Health Shands, HCA North Florida) or in Lake City for inpatient and emergency care, making provider-network breadth a key consideration when comparing Medicare Advantage plans in this rural, spring-rich county.
Top carriers in Gilchrist County
Humana
4.5-star CMS rating
UnitedHealthcare (AARP)
4.5-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 Gilchrist 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. Gilchrist County has 3
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 Lake City Hospital
▸UF Health Shands Hospital (Gainesville)
▸HCA Florida North Florida Hospital (Gainesville)
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 Lake City Hospital, UF Health Shands Hospital (Gainesville), HCA Florida North Florida Hospital (Gainesville)
Frequently Asked Questions
How many people live in Gilchrist County?▾
Gilchrist County has about 19,040 residents per the 2024 ACS 5-year estimates; 21% are age 65 or older.
Who are the top insurers in Gilchrist County?▾
The largest carriers in Gilchrist County are Humana, UnitedHealthcare (AARP). 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 Gilchrist County?▾
Florida SHINE — Gilchrist (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Lake City Hospital, UF Health Shands Hospital (Gainesville), HCA Florida North Florida Hospital (Gainesville).
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