Medicare Supplement 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 5,230 Medicare beneficiaries per CMS Q1 2024 data, with about 51% enrolled in Medicare Advantage. The top medicare supplement carriers are Humana, UnitedHealthcare / AARP Medicare Advantage FL-0011, UnitedHealthcare / AARP Medicare Advantage FL-0016. We compare these plans for free and never charge a fee.
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The Holmes County medicare supplement market
About 51% of Holmes County's 5,230 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 11 Medicare Advantage plans are available in Holmes County, so a side-by-side comparison genuinely matters. 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 Medicare Supplement 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.
Free help in Holmes County: Florida SHINE — Holmes — 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.
Major hospitals: Doctors Memorial Hospital (Bonifay) — 20-bed critical access hospital
Frequently Asked Questions
How many Medicare beneficiaries live in Holmes County?▾
About 5,230 Floridians in Holmes County are enrolled in Medicare as of May 2026 CMS data. About 51% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers 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 SHIP 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.
How many Medicare Advantage plans are available in Holmes County?▾
As of May 2026, about 11 Medicare Advantage plans are available to Holmes County residents, led by UnitedHealth Group, Inc., Humana Inc., Guidewell Mutual Holding Corporation, Centene Corporation. We compare all of them side by side at no cost.
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