West Palm Beach-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Palm Beach County, FL has about 1,545,968 residents per the 2024 ACS 5-year estimates (25% age 65 or older). The leading insurance carriers serving the county for long-term care hybrid include Humana Gold Plus H1036, UnitedHealthcare Group Medicare Advantage, Aetna Medicare Eagle. We compare options at no cost to you.
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Palm Beach County has about 1,545,968 residents, 25% of them 65 or older. For long-term care hybrid, the carriers with the strongest local presence include Humana Gold Plus H1036, UnitedHealthcare Group Medicare Advantage, Aetna Medicare Eagle — 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 Palm Beach 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).
What makes Palm Beach County different: Affluent retiree corridor — 25% age 65+. Largest county in FL by FIA/LTC-hybrid demand per AALU 2025 distribution data.
Humana Gold Plus H1036 (HMO)
4-star CMS rating
UnitedHealthcare Group Medicare Advantage (PPO)
4-star CMS rating
Aetna Medicare Eagle (PPO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Long-Term Care Hybrid plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Palm Beach County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
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.
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Palm Beach County plans that fit your situation.
Palm Beach County has about 1,545,968 residents per the 2024 ACS 5-year estimates; 25% are age 65 or older.
The largest carriers in Palm Beach County are Humana Gold Plus H1036 (HMO), UnitedHealthcare Group Medicare Advantage (PPO), Aetna Medicare Eagle (PPO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
Florida SHINE — Palm Beach (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Good Samaritan Medical Center, JFK Medical Center, Boca Raton Regional Hospital.
With 25% of residents over 65, Palm Beach County offers a wide range of LTC Hybrid plans tailored to seniors. Local carriers like Humana Gold Plus H1036 are popular choices.
You can enroll during Annual Enrollment Period (AEP) from Oct 15 to Dec 7, or through Special Enrollment Periods if there's a qualifying event. Consult with your local agent for personalized advice.
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