ACA Health Insurance in Liberty County, Texas. About 16,473 Medicare beneficiaries live here, with roughly 65 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.
Liberty County ACA Health Insurance — quick answer
Liberty County, TX has about 115,042 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, Cigna HealthSpring Preferred. We compare options at no cost to you.
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The Liberty County aca health insurance market
Liberty County has about 115,042 residents, 13% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include UnitedHealthcare, Humana, Cigna HealthSpring Preferred — 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 Liberty 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).
Liberty County at a glance
Population (2024 ACS)
115,042
Medicare beneficiaries
16,473
MA penetration
65%
Age 65 or older
13%
What makes Liberty County different: Liberty County is one of the youngest counties in this batch — its median age is in the mid-30s and about 13.1% of residents are 65+ (vs. ~26% in neighboring retiree counties like Hood), reflecting rapid exurban spillover from northeast Houston via Dayton and Cleveland. That young, working-family profile (the 2020 population of 91,628 has surged past 115,000) makes ACA marketplace and term-life demand unusually strong relative to its Medicare base of roughly 16,000 beneficiaries, served locally by the 25-bed Liberty Dayton Regional Medical Center.
Top carriers in Liberty County
UnitedHealthcare (AARP Medicare Advantage)
4.5-star CMS rating
Humana (HumanaChoice PPO)
4-star CMS rating
Cigna HealthSpring Preferred (HMO)
3.5-star CMS rating
WellCare
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 Liberty 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. Liberty County has 2
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
▸Liberty Dayton Regional Medical Center (Liberty)
▸Cleveland Regional Medical Center (Cleveland)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Liberty Dayton Regional Medical Center (Liberty), Cleveland Regional Medical Center (Cleveland)
Frequently Asked Questions
How many people live in Liberty County?▾
Liberty County has about 115,042 residents per the 2024 ACS 5-year estimates; 13% are age 65 or older.
Who are the top insurers in Liberty County?▾
The largest carriers in Liberty County are UnitedHealthcare (AARP Medicare Advantage), Humana (HumanaChoice PPO), Cigna HealthSpring Preferred (HMO), WellCare. 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 Liberty County?▾
Texas HICAP (Health Information, Counseling and Advocacy Program) (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Liberty Dayton Regional Medical Center (Liberty), Cleveland Regional Medical Center (Cleveland).
How does the ACA marketplace work for young working families in Liberty County?▾
In Liberty County, many residents are part of a younger, working family demographic. Matt can help you find plans that fit your needs and budget, ensuring you have coverage without breaking the bank.
When is the best time to enroll in an ACA plan?▾
The Annual Enrollment Period (AEP) runs from October 15 to December 7. However, you can also enroll during Special Enrollment Periods if there are qualifying life events. Matt can guide you through the process at any time.
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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.
