Final Expense in Hamilton County, Florida. About 3,302 Medicare beneficiaries live here, with roughly 59 percent in Medicare Advantage plans. Top carriers include Humana Full Access Giveback H5216-393 and Humana Full Access Giveback H7617-111. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Hamilton County, FL has about 13,616 residents per the 2024 ACS 5-year estimates (19% age 65 or older). The leading insurance carriers serving the county for final expense include Humana Full Access Giveback H5216-393, Humana Full Access Giveback H7617-111, AARP Medicare Advantage from UnitedHealthcare FL-0009. We compare options at no cost to you.
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The Hamilton County final expense market
Hamilton County has about 13,616 residents, 19% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana Full Access Giveback H5216-393, Humana Full Access Giveback H7617-111, AARP Medicare Advantage from UnitedHealthcare FL-0009 — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana Full Access Giveback H5216-393 against every other carrier serving Hamilton 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).
Hamilton County at a glance
Population (2024 ACS)
13,616
Medicare beneficiaries
3,302
MA penetration
59%
Age 65 or older
19%
What makes Hamilton County different: Hamilton County has had no hospital of its own since the former Hamilton County Memorial Hospital sold its operating assets to Columbia/HCA in 1994, so its roughly 3,300 Medicare beneficiaries rely on out-of-county facilities -- the full-service HCA Florida Lake City Hospital in Columbia County and the critical-access Madison County Memorial Hospital, plus an ER-only HCA Florida Suwannee Emergency in Live Oak (the former Shands hospital, converted to emergency-only in 2020). Its senior share is unusually low for Florida because the population includes the ~1,177-capacity Hamilton Correctional Institution in Jasper and a phosphate-mining workforce (Nutrien's White Springs operation employs roughly 600+ near White Springs), keeping the median age at about 41.
Top carriers in Hamilton County
Humana Full Access Giveback H5216-393 (PPO)
3.5-star CMS rating
Humana Full Access Giveback H7617-111 (PPO)
4.5-star CMS rating
AARP Medicare Advantage from UnitedHealthcare FL-0009 (HMO-POS)
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 Hamilton 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. Hamilton 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
â–¸HCA Florida Lake City Hospital (Lake City, Columbia County)
â–¸Madison County Memorial Hospital (Madison)
â–¸HCA Florida Suwannee Emergency (Live Oak, Suwannee County; ER only, formerly Shands Live Oak Regional Medical Center)
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 (Lake City, Columbia County), Madison County Memorial Hospital (Madison), HCA Florida Suwannee Emergency (Live Oak, Suwannee County; ER only, formerly Shands Live Oak Regional Medical Center)
Frequently Asked Questions
How many people live in Hamilton County?â–¾
Hamilton County has about 13,616 residents per the 2024 ACS 5-year estimates; 19% are age 65 or older.
Who are the top insurers in Hamilton County?â–¾
The largest carriers in Hamilton County are Humana Full Access Giveback H5216-393 (PPO), Humana Full Access Giveback H7617-111 (PPO), AARP Medicare Advantage from UnitedHealthcare FL-0009 (HMO-POS). 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 Hamilton County?â–¾
Florida SHINE -- Hamilton (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Lake City Hospital (Lake City, Columbia County), Madison County Memorial Hospital (Madison), HCA Florida Suwannee Emergency (Live Oak, Suwannee County; ER only, formerly Shands Live Oak Regional Medical Center).
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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.
