ACA Health Insurance in Cooke County, Texas. About 9,882 Medicare beneficiaries live here, with roughly 42 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana Value Choice. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Cooke County ACA Health Insurance — quick answer
Cooke County, TX has about 43,046 residents per the 2024 ACS 5-year estimates (20% age 65 or older). The leading insurance carriers serving the county for aca health insurance include UnitedHealthcare, Humana Value Choice, UnitedHealthcare. We compare options at no cost to you.
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The Cooke County aca health insurance market
Cooke County has about 43,046 residents, 20% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include UnitedHealthcare, Humana Value Choice, UnitedHealthcare — but the right fit depends on your household size, income, and which doctors you want to keep. We compare UnitedHealthcare against every other carrier serving Cooke 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).
Cooke County at a glance
Population (2024 ACS)
43,046
Medicare beneficiaries
9,882
MA penetration
42%
Age 65 or older
20%
What makes Cooke County different: Cooke County sits on the Oklahoma border at the I-35 gateway to Gainesville and skews older, with about 20% of residents 65+. Yet county-wide Medicare Advantage penetration is relatively low at roughly 29%, leaving most of its ~8,500 Medicare beneficiaries on Original Medicare and open to Medigap or MA switching; its sole hospital, the 60-bed North Texas Medical Center, is owned by the Gainesville Hospital District.
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 Cooke County
Each ACA Health Insurance plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Cooke 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
â–¸North Texas Medical Center (Gainesville)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: North Texas Medical Center (Gainesville)
Frequently Asked Questions
How many people live in Cooke County?â–¾
Cooke County has about 43,046 residents per the 2024 ACS 5-year estimates; 20% are age 65 or older.
Who are the top insurers in Cooke County?â–¾
The largest carriers in Cooke County are UnitedHealthcare (AARP Medicare Advantage Extras, HMO-POS), Humana Value Choice (PPO), UnitedHealthcare (AARP Medicare Advantage, PPO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
What state resources are available in Cooke County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include North Texas Medical Center (Gainesville).
How does the low Medicare Advantage penetration affect residents in Cooke County?â–¾
With only about 29% of Medicare beneficiaries choosing Medicare Advantage, most in Cooke County are on Original Medicare and may need to consider Medigap plans or switching to an MA plan through open enrollment periods.
When can I enroll in ACA Marketplace plans for under-65 Texans?â–¾
You can enroll during the Annual Enrollment Period from October 15 to December 7, or during a Special Enrollment Period if you have a qualifying life event. Check your eligibility and get personalized advice from a local agent.
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Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
