Hillsborough County at a glance
- Population (2024 ACS)
- 1,505,000
- Medicare beneficiaries
- 271,957
- MA penetration
- 63%
- Age 65 or older
- 14%
What makes Hillsborough County different: ACA + MA combo market — Tampa is FL's #2 ACA county after Miami-Dade.
Final Expense in Hillsborough County, Florida. About 271,957 Medicare beneficiaries live here, with roughly 63 percent in Medicare Advantage plans. Top carriers include Humana Gold Plus H1036 and Cigna TotalCare H5410. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Hillsborough County Final Expense Plans
Tampa-area carriers, real enrollment data, free quotes from a licensed Florida agent.
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Matt Giron
Licensed in Texas
Hillsborough County Final Expense — quick answer
Hillsborough County, FL has about 1,505,000 residents per the 2024 ACS 5-year estimates (14% age 65 or older). The leading insurance carriers serving the county for final expense include Humana Gold Plus H1036, Cigna TotalCare H5410, WellCare Premier. We compare options at no cost to you.
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The Hillsborough County final expense market
Hillsborough County has about 1,505,000 residents, 14% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana Gold Plus H1036, Cigna TotalCare H5410, WellCare Premier — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana Gold Plus H1036 against every other carrier serving Hillsborough 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).
Top carriers in Hillsborough County
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Humana Gold Plus H1036 (HMO)
4-star CMS rating
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Cigna TotalCare H5410 (HMO D-SNP)
4-star CMS rating
-
WellCare Premier (HMO)
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 Hillsborough 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. Hillsborough 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
- Tampa General Hospital
- AdventHealth Tampa
- St. Joseph's Hospital
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Top Hillsborough carriers — network lookup
- Humana Gold Plus H1036 4★
Humana provider finder ↗ - Cigna TotalCare H5410 4★
Cigna provider directory ↗ - WellCare Premier 4★
Search "WellCare Premier provider directory" or call the carrier directly.
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 Hillsborough County plans that fit your situation.
Local resources in Hillsborough County
- SHIP counseling: Florida SHINE — Hillsborough — 1-800-963-5337
- Major hospitals: Tampa General Hospital, AdventHealth Tampa, St. Joseph's Hospital
Frequently Asked Questions
How many people live in Hillsborough County?
Hillsborough County has about 1,505,000 residents per the 2024 ACS 5-year estimates; 14% are age 65 or older.
Who are the top insurers in Hillsborough County?
The largest carriers in Hillsborough County are Humana Gold Plus H1036 (HMO), Cigna TotalCare H5410 (HMO D-SNP), WellCare Premier (HMO). 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 Hillsborough County?
Florida SHINE — Hillsborough (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Tampa General Hospital, AdventHealth Tampa, St. Joseph's Hospital.
How does the ACA + MA combo market affect final expense coverage in Hillsborough County?
Hillsborough County is Florida's second-largest ACA county after Miami-Dade. This unique market blend means you have access to both individual health plans and Medicare Advantage options, providing a broader range of choices for your final expense needs.
When should I enroll in a final expense policy?
Enrollment timing is crucial; the Annual Enrollment Period (AEP) runs from October 15 to December 7 each year. However, you can also enroll during Special Enrollment Periods (SEPs) if there are qualifying life events.