ACA Health Insurance in Hays County, Texas. About 42,361 Medicare beneficiaries live here, with roughly 50 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Hays County, TX has about 292,000 residents per the 2024 ACS 5-year estimates (13% age 65 or older). The leading insurance carriers serving the county for aca health insurance include UnitedHealthcare, Humana, Humana. We compare options at no cost to you.
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The Hays County aca health insurance market
Hays County has about 292,000 residents, 13% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include UnitedHealthcare, Humana, Humana — 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 Hays 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).
Hays County at a glance
Population (2024 ACS)
292,000
Medicare beneficiaries
42,361
MA penetration
50%
Age 65 or older
13%
What makes Hays County different: Hays County is one of the fastest-growing counties in the United States, fueled by the I-35 corridor between Austin and San Antonio and Texas State University in San Marcos. Its rapid in-migration keeps the 65+ share at just 12.6% and Medicare Advantage penetration near 30% (about 10,599 county MA enrollees), with Ascension Seton Hays in Kyle and CHRISTUS Santa Rosa-San Marcos as the principal hospitals.
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 Hays 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. Hays County has 4
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
▸Ascension Seton Hays (Kyle)
▸CHRISTUS Santa Rosa Hospital - San Marcos
▸Baylor Scott & White Medical Center - Buda
▸CHRISTUS Santa Rosa Emergency - Kyle
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Ascension Seton Hays (Kyle), CHRISTUS Santa Rosa Hospital - San Marcos, Baylor Scott & White Medical Center - Buda, CHRISTUS Santa Rosa Emergency - Kyle
Frequently Asked Questions
How many people live in Hays County?▾
Hays County has about 292,000 residents per the 2024 ACS 5-year estimates; 13% are age 65 or older.
Who are the top insurers in Hays County?▾
The largest carriers in Hays County are UnitedHealthcare (AARP Medicare Advantage Essentials TX-12 HMO-POS), Humana (Gold Plus H0028-037 HMO), Humana (Full Access H5216-432 PPO), Baylor Scott & White. 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 Hays County?▾
Texas HICAP (Health Information, Counseling and Advocacy Program) (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Ascension Seton Hays (Kyle), CHRISTUS Santa Rosa Hospital - San Marcos, Baylor Scott & White Medical Center - Buda, CHRISTUS Santa Rosa Emergency - Kyle.
How does the rapid growth of Hays County affect ACA plans?▾
Due to Hays County's fast-growing population, especially around San Marcos, there may be changes in available ACA plans each year. It’s important to review options annually to ensure you have the right coverage.
When can I enroll in an ACA plan for 2023?▾
For 2023 enrollment, open enrollment period (OEP) is from November 15, 2022, to December 15, 2022. Annual Enrollment Period (AEP) runs from October 15 to December 7 each year.
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