Final Expense in Gaines County, Texas. About 2,316 Medicare beneficiaries live here, with roughly 39 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.
Gaines County, TX has about 22,232 residents per the 2024 ACS 5-year estimates (9% 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 Gaines County final expense market
Gaines County has about 22,232 residents, 9% 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 Gaines 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).
Gaines County at a glance
Population (2024 ACS)
22,232
Medicare beneficiaries
2,316
MA penetration
39%
Age 65 or older
9%
What makes Gaines County different: Gaines County is one of Texas's youngest counties (median age about 29.3; only roughly 9.4% are 65+ versus about 17% nationally), driven by its large Low German-speaking Old Colony Mennonite community and high birth rates. Despite this small senior base, CMS reports that 887 of its 2,203 Medicare beneficiaries (about 40%) are enrolled in Medicare Advantage as of December 2024, a market dominated by Humana's HumanaChoice Regional PPO (contract R4182), with UnitedHealthcare's Regional PPO and Special Needs Plans (contract R6801) also serving the county.
Top carriers in Gaines County
Humana (HumanaChoice Regional PPO, contract R4182)
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 Gaines 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. Gaines 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–¸Memorial Hospital (Seminole Hospital District of Gaines County) - 25-bed Critical Access Hospital, Seminole
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Memorial Hospital (Seminole Hospital District of Gaines County) - 25-bed Critical Access Hospital, Seminole
Frequently Asked Questions
How many people live in Gaines County?â–¾
Gaines County has about 22,232 residents per the 2024 ACS 5-year estimates; 9% are age 65 or older.
Who are the top insurers in Gaines County?â–¾
The largest carriers in Gaines County are Humana (HumanaChoice Regional PPO, contract R4182), UnitedHealthcare (Medicare Advantage Choice Regional PPO & SNPs, contract R6801). 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 Gaines County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Memorial Hospital (Seminole Hospital District of Gaines County) - 25-bed Critical Access Hospital, Seminole.
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