Final Expense in Highlands County, Florida. About 37,635 Medicare beneficiaries live here, with roughly 60 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Highlands County, FL has about 105,700 residents per the 2024 ACS 5-year estimates (35% age 65 or older). The leading insurance carriers serving the county for final expense include UnitedHealthcare, Humana, Aetna. We compare options at no cost to you.
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The Highlands County final expense market
Highlands County has about 105,700 residents, 35% of them 65 or older. For final expense, the carriers with the strongest local presence include UnitedHealthcare, Humana, Aetna — but the right fit depends on your household size, income, and which doctors you want to keep. We compare UnitedHealthcare against every other carrier serving Highlands 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).
Highlands County at a glance
Population (2024 ACS)
105,700
Medicare beneficiaries
37,635
MA penetration
60%
Age 65 or older
35%
What makes Highlands County different: Highlands County, anchored by Sebring and its Sun 'n Lake planned community, has one of the oldest populations in the nation -- about 35.1% of residents are 65 or older. Its economy leans on healthcare and citrus, and AdventHealth Sebring broke ground in 2026 on a roughly $130 million five-story cardiovascular tower to serve the aging Heartland region.
Top carriers in Highlands County
UnitedHealthcare (AARP)
4.5-star CMS rating
Humana
4.5-star CMS rating
Aetna
4.5-star CMS rating
Florida Blue (Blue Cross Blue Shield of Florida)
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 Highlands 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. Highlands 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–¸AdventHealth Sebring
â–¸HCA Florida Highlands Hospital
â–¸AdventHealth Lake Placid
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.
Want to talk it through?
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Highlands County plans that fit your situation.
Major hospitals: AdventHealth Sebring, HCA Florida Highlands Hospital, AdventHealth Lake Placid
Frequently Asked Questions
How many people live in Highlands County?â–¾
Highlands County has about 105,700 residents per the 2024 ACS 5-year estimates; 35% are age 65 or older.
Who are the top insurers in Highlands County?â–¾
The largest carriers in Highlands County are UnitedHealthcare (AARP), Humana, Aetna, Florida Blue (Blue Cross Blue Shield of Florida). 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 Highlands County?â–¾
Florida SHINE -- Highlands County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include AdventHealth Sebring, HCA Florida Highlands Hospital, AdventHealth Lake Placid.
How does the high percentage of elderly residents in Highlands County affect my final expense insurance?â–¾
With over 35% of residents aged 65 and older, ensuring comprehensive funeral coverage is crucial. Matt can provide personalized options tailored to your specific needs.
When should I enroll for final expense insurance in Highlands County?â–¾
You can enroll during Annual Enrollment Period (AEP) from October 15th to December 7th, or throughout the year with Special Enrollment Periods. Contact us today to explore your options.
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