Final Expense in Franklin County, Texas. About 2,772 Medicare beneficiaries live here, with roughly 45 percent in Medicare Advantage plans. Top carriers include Humana and UnitedHealthcare. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Franklin County, TX has about 10,632 residents per the 2024 ACS 5-year estimates (23% age 65 or older). The leading insurance carriers serving the county for final expense include Humana, UnitedHealthcare. We compare options at no cost to you.
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The Franklin County final expense market
Franklin County has about 10,632 residents, 23% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana, UnitedHealthcare — but the right fit depends on your household size, income, and which doctors you want to keep. We compare Humana against every other carrier serving Franklin 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).
Franklin County at a glance
Population (2024 ACS)
10,632
Medicare beneficiaries
2,772
MA penetration
45%
Age 65 or older
23%
What makes Franklin County different: Franklin County has no hospital of its own (the nearest is CHRISTUS Health Mount Pleasant Hospital, ~15 miles away in Titus County). Its lakefront economy around 3,461-acre Lake Cypress Springs - dubbed 'the Hamptons of East Texas,' with 850+ waterfront properties along ~44.5 miles of shoreline - draws affluent retirees and second-home owners, lifting the share of residents 65+ to about 23% and pushing Medicare Advantage penetration to roughly 43% (1,116 of 2,623 beneficiaries per CMS 2024 data), unusually high for a rural Northeast Texas county.
Top carriers in Franklin County
Humana
3.5-star CMS rating
UnitedHealthcare (AARP)
4-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 Franklin County
Each Final Expense plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Franklin 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–¸CHRISTUS Health Mount Pleasant Hospital (formerly Titus Regional Medical Center), Mount Pleasant
â–¸Family Care Center - Mount Vernon (Titus Regional Medical Center clinic)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: CHRISTUS Health Mount Pleasant Hospital (formerly Titus Regional Medical Center), Mount Pleasant, Family Care Center - Mount Vernon (Titus Regional Medical Center clinic)
Frequently Asked Questions
How many people live in Franklin County?â–¾
Franklin County has about 10,632 residents per the 2024 ACS 5-year estimates; 23% are age 65 or older.
Who are the top insurers in Franklin County?â–¾
The largest carriers in Franklin County are Humana, UnitedHealthcare (AARP). 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 Franklin 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 CHRISTUS Health Mount Pleasant Hospital (formerly Titus Regional Medical Center), Mount Pleasant, Family Care Center - Mount Vernon (Titus Regional Medical Center clinic).
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