Waco-area carriers, real enrollment data, free quotes from a licensed Texas agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
McLennan County, TX has about 263,000 residents per the 2024 ACS 5-year estimates (14% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Humana Gold Plus H4007, Baylor Scott & White Medicare Advantage, UnitedHealthcare AARP Medicare Advantage Plan 1. We compare options at no cost to you.
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McLennan County has about 263,000 residents, 14% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Humana Gold Plus H4007, Baylor Scott & White Medicare Advantage, UnitedHealthcare AARP Medicare Advantage Plan 1 — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana Gold Plus H4007 against every other carrier serving McLennan 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).
What makes McLennan County different: Waco — Baylor Scott & White system dominates the local MA market. Strong dual-eligible (D-SNP) demand.
Humana Gold Plus H4007 (HMO)
4-star CMS rating
Baylor Scott & White Medicare Advantage (HMO)
4-star CMS rating
UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
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. McLennan County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the McLennan County plans that fit your situation.
McLennan County has about 263,000 residents per the 2024 ACS 5-year estimates; 14% are age 65 or older.
The largest carriers in McLennan County are Humana Gold Plus H4007 (HMO), Baylor Scott & White Medicare Advantage (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
TX HICAP — Heart of Texas Council of Governments (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Baylor Scott & White Hillcrest Medical Center, Ascension Providence Hospital Waco, Baylor Scott & White Medical Center–Waco.
In McLennan County, the Baylor Scott & White Medicare Advantage plan is highly popular due to its strong presence. It offers comprehensive coverage and is a top choice for many residents.
You can enroll during Annual Enrollment Period (AEP) from October 15 to December 7, or outside AEP for Special Enrollment Periods if you have a qualifying life event.
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