ACA Health Insurance in Willacy County, Texas. About 3,747 Medicare beneficiaries live here, with roughly 79 percent in Medicare Advantage plans. Top carriers include Cigna / HealthSpring - dominant MA carrier in the county; 417 reflects Cigna's combined HMO enrollment and UnitedHealthcare / AARP Medicare Advantage. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Willacy County ACA Health Insurance — quick answer
Willacy County, TX has about 20,139 residents per the 2024 ACS 5-year estimates (15% age 65 or older). The leading insurance carriers serving the county for aca health insurance include Cigna / HealthSpring - dominant MA carrier in the county; 417 reflects Cigna's combined HMO enrollment, UnitedHealthcare / AARP Medicare Advantage, Humana - confirmed active in Willacy County; listed enrollment is approximate and not independently confirmed at the county level. We compare options at no cost to you.
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The Willacy County aca health insurance market
Willacy County has about 20,139 residents, 15% of them 65 or older. For aca health insurance, the carriers with the strongest local presence include Cigna / HealthSpring - dominant MA carrier in the county; 417 reflects Cigna's combined HMO enrollment, UnitedHealthcare / AARP Medicare Advantage, Humana - confirmed active in Willacy County; listed enrollment is approximate and not independently confirmed at the county level — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Cigna / HealthSpring - dominant MA carrier in the county; 417 reflects Cigna's combined HMO enrollment against every other carrier serving Willacy 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).
Willacy County at a glance
Population (2024 ACS)
20,139
Medicare beneficiaries
3,747
MA penetration
79%
Age 65 or older
15%
What makes Willacy County different: Willacy County has no operating acute-care hospital of its own - the Willacy County Hospital District in Raymondville stopped running a hospital in October 1986 and now only administers an indigent health-care program, so residents drive about 21 miles south to Harlingen (Cameron County) for inpatient care. Despite this, the county posts one of the highest Medicare Advantage penetration rates in Texas at roughly 69%, ranking among the state's top MA-enrollment counties (alongside neighbors like Starr, Hidalgo, and Cameron).
Top carriers in Willacy County
Cigna / HealthSpring (Cigna Preferred Medicare HMO plans, contract H4513) - dominant MA carrier in the county; 417 reflects Cigna's combined HMO enrollment (Cigna Preferred Medicare HMO 294 + Cigna Preferred Full Savings HMO 123)
Humana (Gold Plus HMO, contract H0028) - confirmed active in Willacy County (e.g. H0028-046); listed enrollment is approximate and not independently confirmed at the county level
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 Willacy 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. Willacy 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
â–¸Valley Baptist Medical Center - Harlingen (Cameron County, ~21 miles south; 600+ beds; primary acute-care hospital for Willacy County residents)
â–¸Harlingen Medical Center (Harlingen, Cameron County; general acute-care hospital)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Top Willacy carriers — network lookup
Cigna / HealthSpring - dominant MA carrier in the county; 417 reflects Cigna's combined HMO enrollment 4★ Cigna provider directory ↗
Humana - confirmed active in Willacy County; listed enrollment is approximate and not independently confirmed at the county level 3.5★ Humana provider finder ↗
Or skip the cross-checking — we run network checks against your prescriptions and doctors
at no cost during any consult.
Want to talk it through?
Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Willacy County plans that fit your situation.
Major hospitals: Valley Baptist Medical Center - Harlingen (Cameron County, ~21 miles south; 600+ beds; primary acute-care hospital for Willacy County residents), Harlingen Medical Center (Harlingen, Cameron County; general acute-care hospital)
Frequently Asked Questions
How many people live in Willacy County?â–¾
Willacy County has about 20,139 residents per the 2024 ACS 5-year estimates; 15% are age 65 or older.
Who are the top insurers in Willacy County?â–¾
The largest carriers in Willacy County are Cigna / HealthSpring (Cigna Preferred Medicare HMO plans, contract H4513) - dominant MA carrier in the county; 417 reflects Cigna's combined HMO enrollment (Cigna Preferred Medicare HMO 294 + Cigna Preferred Full Savings HMO 123), UnitedHealthcare / AARP Medicare Advantage (TX-0014 HMO-POS, contract H4527), Humana (Gold Plus HMO, contract H0028) - confirmed active in Willacy County (e.g. H0028-046); listed enrollment is approximate and not independently confirmed at the county level. 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 Willacy County?â–¾
Texas Health Information, Counseling and Advocacy Program (HICAP) (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Valley Baptist Medical Center - Harlingen (Cameron County, ~21 miles south; 600+ beds; primary acute-care hospital for Willacy County residents), Harlingen Medical Center (Harlingen, Cameron County; general acute-care hospital).
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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.
