Final Expense in Holmes County, Florida. About 5,230 Medicare beneficiaries live here, with roughly 51 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare / AARP Medicare Advantage FL-0011. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Holmes County, FL has about 19,513 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 / AARP Medicare Advantage FL-0011, UnitedHealthcare / AARP Medicare Advantage FL-0016. We compare options at no cost to you.
Prefer to listen?
Free audio version, generated on demand by Google Cloud Text-to-Speech.
The Holmes County final expense market
Holmes County has about 19,513 residents, 21% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana, UnitedHealthcare / AARP Medicare Advantage FL-0011, UnitedHealthcare / AARP Medicare Advantage FL-0016 — 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 Holmes 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).
Holmes County at a glance
Population (2024 ACS)
19,513
Medicare beneficiaries
5,230
MA penetration
51%
Age 65 or older
21%
What makes Holmes County different: Holmes County is a rural Florida Panhandle county whose entire inpatient capacity is a single 20-bed critical-access hospital, Doctors Memorial Hospital in Bonifay; with no full-service acute-care facility, many residents travel ~30 miles to Dothan, Alabama, or to Panama City for specialty care, and Dual-Eligible Special Needs Plans (D-SNPs) are unusually significant here, covering roughly 721 of the county's Medicare Advantage members.
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 Holmes 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. Holmes County has 1
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
▸Doctors Memorial Hospital (Bonifay) — 20-bed critical access hospital
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Doctors Memorial Hospital (Bonifay) — 20-bed critical access hospital
Frequently Asked Questions
How many people live in Holmes County?▾
Holmes County has about 19,513 residents per the 2024 ACS 5-year estimates; 21% are age 65 or older.
Who are the top insurers in Holmes County?▾
The largest carriers in Holmes County are Humana (Full Access Giveback H5216-393, PPO), UnitedHealthcare / AARP Medicare Advantage FL-0011 (HMO-POS), UnitedHealthcare / AARP Medicare Advantage FL-0016 (PPO). 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 Holmes County?▾
Florida SHINE — Holmes (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Doctors Memorial Hospital (Bonifay) — 20-bed critical access hospital.
Hey 👋 — I'm trained on every page of gironagency.com. Ask me anything
about Medicare, ACA, or life insurance and I'll cite the exact source. For specific quotes or applications, I'll send you to Matt.
Try one of these
Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
