Medicare Advantage in Walton County, Florida. About 20,565 Medicare beneficiaries live here, with roughly 43 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.
Walton County, FL has 20,565 Medicare beneficiaries per CMS Q1 2024 data, with about 43% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana, UnitedHealthcare, Aetna. We compare these plans for free and never charge a fee.
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The Walton County medicare advantage market
At roughly 43% MA penetration, most of Walton County's 20,565 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. 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 18 Medicare Advantage plans are available in Walton County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Walton County at a glance
Population (2024 ACS)
96,480
Medicare beneficiaries
20,565
MA penetration
43%
Age 65 or older
21%
What makes Walton County different: Walton County's economy is dominated by upscale coastal tourism along the famous Scenic Highway 30A in South Walton, while the inland county seat of DeFuniak Springs remains more rural. Ascension Sacred Heart Emerald Coast in Miramar Beach is the county's first and only acute-care hospital and runs Walton County's only neonatal intensive care unit.
Top Medicare Advantage plans in Walton County
Humana
4-star CMS rating
UnitedHealthcare
4-star CMS rating
Aetna
3.5-star CMS rating
Cigna
3.5-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 Walton 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. Walton County has 2
major hospital systems. Before you enroll, check that your preferred hospital and physicians
participate in the specific plan you're considering.
Free help in Walton County: Florida SHINE — Walton — call 1-800-963-5337.
SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
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.
How many Medicare beneficiaries live in Walton County?▾
About 20,565 Floridians in Walton 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 Walton County?▾
The largest carriers in Walton County are Humana, UnitedHealthcare, Aetna, Cigna. 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 Walton County?▾
Florida SHINE — Walton (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Ascension Sacred Heart Emerald Coast (Miramar Beach), HCA Florida DeFuniak Springs Emergency.
How many Medicare Advantage plans are available in Walton County?▾
As of May 2026, about 18 Medicare Advantage plans are available to Walton County residents, led by Humana Inc., UnitedHealth Group, Inc., Guidewell Mutual Holding Corporation, CVS Health Corporation. We compare all of them side by side at no cost.
How does Ascension Sacred Heart Emerald Coast impact Medicare Advantage plans in Walton County?▾
Walton County's only acute-care hospital, Ascension Sacred Heart Emerald Coast, is crucial for residents. Many Medicare Advantage plans in the area include this hospital for local care and services.
When can I enroll in a Medicare Advantage plan in Walton County?▾
You can enroll during Annual Enrollment Period (AEP) from October 15 to December 7, or during Special Enrollment Periods (SEPs) if you have a qualifying life event. Always consult with a local agent for personalized advice.
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