ACA Health Insurance in Karnes County, Texas. About 2,973 Medicare beneficiaries live here, with roughly 50 percent in Medicare Advantage plans. Top carriers include Aetna Medicare Signature - contract H5521 and HumanaChoice R4182-004. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Karnes County ACA Health Insurance — quick answer
Karnes County, TX has about 14,968 residents per the 2024 ACS 5-year estimates (16% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Aetna Medicare Signature - contract H5521, HumanaChoice R4182-004, AARP Medicare Advantage from UnitedHealthcare - contract H4527. We compare options at no cost to you.
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The Karnes County aca health insurance market
Karnes County has about 14,968 residents, 16% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Aetna Medicare Signature - contract H5521, HumanaChoice R4182-004, AARP Medicare Advantage from UnitedHealthcare - contract H4527 — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Aetna Medicare Signature - contract H5521 against every other carrier serving Karnes 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).
Karnes County at a glance
Population (2024 ACS)
14,968
Medicare beneficiaries
2,973
MA penetration
50%
Age 65 or older
16%
What makes Karnes County different: Unlike most rural Texas counties, Karnes County has a high Medicare Advantage penetration of roughly 49% (1,431 of 2,916 beneficiaries in 2024), near the national average; its total Medicare beneficiary count grew from about 2,590 in 2016 to 2,916 in 2024, reflecting population gains from the Eagle Ford Shale oil-and-gas boom that began with ConocoPhillips' 2008 strike.
Top carriers in Karnes County
Aetna Medicare Signature (PPO) - contract H5521
4.5-star CMS rating
HumanaChoice R4182-004 (Regional PPO)
3.5-star CMS rating
AARP Medicare Advantage from UnitedHealthcare (HMO-POS) - contract H4527
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 Karnes 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. Karnes 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–¸Otto Kaiser Memorial Hospital (Kenedy, TX - critical access hospital, Karnes County Hospital District)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Otto Kaiser Memorial Hospital (Kenedy, TX - critical access hospital, Karnes County Hospital District)
Frequently Asked Questions
How many people live in Karnes County?â–¾
Karnes County has about 14,968 residents per the 2024 ACS 5-year estimates; 16% are age 65 or older.
Who are the top insurers in Karnes County?â–¾
The largest carriers in Karnes County are Aetna Medicare Signature (PPO) - contract H5521, HumanaChoice R4182-004 (Regional PPO), AARP Medicare Advantage from UnitedHealthcare (HMO-POS) - contract H4527. 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 Karnes County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Otto Kaiser Memorial Hospital (Kenedy, TX - critical access hospital, Karnes County Hospital District).
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