Medicare Advantage in Clay County, Florida. About 52,442 Medicare beneficiaries live here, with roughly 43 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.
Clay County, FL has 52,442 Medicare beneficiaries per CMS Q1 2024 data, with about 43% enrolled in Medicare Advantage. The top medicare advantage carriers are UnitedHealthcare, Humana, Devoted Health. We compare these plans for free and never charge a fee.
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The Clay County medicare advantage market
At roughly 43% MA penetration, most of Clay County's 52,442 Medicare beneficiaries stay on Original Medicare, frequently paired with a Medigap policy. That pattern usually signals retirees here prize provider choice and predictable out-of-pocket costs over the lower premiums of MA. UnitedHealthcare 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 26 Medicare Advantage plans are available in Clay County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Clay County at a glance
Population (2024 ACS)
236,800
Medicare beneficiaries
52,442
MA penetration
43%
Age 65 or older
18%
What makes Clay County different: Clay County, centered on the Jacksonville suburb of Orange Park, is a fast-growing, military-adjacent bedroom community (NAS Jacksonville draws many retirees) with a relatively young 17.8% age-65+ share. Its Medicare Advantage market skews high-quality: the four highest-rated plans in Orange Park are all Devoted Health 5-star HMO products, alongside 4.5-star AARP/UnitedHealthcare and Aetna offerings.
Top Medicare Advantage plans in Clay County
UnitedHealthcare (AARP)
4.5-star CMS rating
Humana
4-star CMS rating
Devoted Health
5-star CMS rating
Aetna
4.5-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 Clay 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. Clay 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
▸HCA Florida Orange Park Hospital
▸Ascension St. Vincent's Clay County
▸Baptist Medical Center Clay
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: HCA Florida Orange Park Hospital, Ascension St. Vincent's Clay County, Baptist Medical Center Clay
Frequently Asked Questions
How many Medicare beneficiaries live in Clay County?▾
About 52,442 Floridians in Clay County are enrolled in Medicare as of May 2026 CMS data. About 43% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Clay County?▾
The largest carriers in Clay County are UnitedHealthcare (AARP), Humana, Devoted Health, Aetna. 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 Clay County?▾
Florida SHINE -- Clay County (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include HCA Florida Orange Park Hospital, Ascension St. Vincent's Clay County, Baptist Medical Center Clay.
How many Medicare Advantage plans are available in Clay County?▾
As of May 2026, about 26 Medicare Advantage plans are available to Clay County residents, led by UnitedHealth Group, Inc., Humana Inc., CVS Health Corporation, Guidewell Mutual Holding Corporation. We compare all of them side by side at no cost.
How does Medicare Advantage fit for retirees living near NAS Jacksonville?▾
Retirees near NAS Jacksonville often choose Medicare Advantage due to its comprehensive coverage and access to local hospitals like HCA Florida Orange Park Hospital. Our Devoted Health 5-star plans are top-rated here.
When can I enroll in a Medicare Advantage plan?▾
You can enroll during Annual Enrollment Period (Oct 15-Dec 7) or Special Enrollment Periods if you have a qualifying life event. Compare options and get personalized advice from our local agent for free.
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