Medicare Advantage in Baker County, Florida. About 5,771 Medicare beneficiaries live here, with roughly 45 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Giron Agency, a licensed Florida agency, or visit gironagency.com.
Baker County, FL has 5,771 Medicare beneficiaries per CMS Q1 2024 data, with about 45% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, UnitedHealthcare. We compare these plans for free and never charge a fee.
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The Baker County medicare advantage market
About 45% of Baker County's 5,771 Medicare beneficiaries are in Medicare Advantage — right around the national norm — so you'll find a genuine mix of competitive MA plans and Medigap options here rather than a one-sided market. Humana currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 12 Medicare Advantage plans are available in Baker County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Baker County at a glance
Population (2024 ACS)
29,325
Medicare beneficiaries
5,771
MA penetration
45%
Age 65 or older
15%
What makes Baker County different: Rural Baker County, anchored by the seat of Macclenny in northeast Florida, has an unusually low Medicare Advantage penetration of about 33% — far below the Florida average — leaving most beneficiaries in Original Medicare and Medigap. Its economy is heavily tied to two major institutional employers: the 25-bed Ed Fraser Memorial Hospital and the 613-bed Northeast Florida State Hospital.
Top Medicare Advantage plans in Baker County
Humana
4.5-star CMS rating
UnitedHealthcare
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 Baker County
Each Medicare Advantage plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Baker County has 2
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
▸Ed Fraser Memorial Hospital / Baker County Medical Services (Macclenny)
▸Northeast Florida State Hospital (Macclenny)
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.
Medicare AEP opens in 131 days
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Major hospitals: Ed Fraser Memorial Hospital / Baker County Medical Services (Macclenny), Northeast Florida State Hospital (Macclenny)
Frequently Asked Questions
How many Medicare beneficiaries live in Baker County?▾
About 5,771 Floridians in Baker County are enrolled in Medicare as of May 2026 CMS data. About 45% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Baker County?▾
The largest carriers in Baker County are Humana, UnitedHealthcare. We work with all of them and a few smaller carriers that often have better rates for specific situations.
What SHIP resources are available in Baker County?▾
Florida SHINE — Baker County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Ed Fraser Memorial Hospital / Baker County Medical Services (Macclenny), Northeast Florida State Hospital (Macclenny).
How many Medicare Advantage plans are available in Baker County?▾
As of May 2026, about 12 Medicare Advantage plans are available to Baker County residents, led by Humana Inc., UnitedHealth Group, Inc., CVS Health Corporation, Guidewell Mutual Holding Corporation. We compare all of them side by side at no cost.
Why is Medicare Advantage less popular in Baker County compared to other Florida counties?▾
Baker County has a unique low penetration of Medicare Advantage at about 33%, significantly below the state average, leaving many beneficiaries with Original Medicare and Medigap.
When can I enroll in Part C plans for Medicare in Baker County?▾
You can enroll during Annual Enrollment Period (AEP) from October 15 to December 7 or through Special Enrollment Periods (SEPs) if you have a qualifying life event.
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