Final Expense in Gray County, Texas. About 4,153 Medicare beneficiaries live here, with roughly 40 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.
Gray County, TX has about 21,045 residents per the 2024 ACS 5-year estimates (18% age 65 or older). The leading insurance carriers serving the county for final expense include Humana, UnitedHealthcare, Wellpoint. We compare options at no cost to you.
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The Gray County final expense market
Gray County has about 21,045 residents, 18% of them 65 or older. For final expense, the carriers with the strongest local presence include Humana, UnitedHealthcare, Wellpoint — 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 Gray 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).
Gray County at a glance
Population (2024 ACS)
21,045
Medicare beneficiaries
4,153
MA penetration
40%
Age 65 or older
18%
What makes Gray County different: Gray County's Medicare population is served by a single 25-bed critical-access hospital, Pampa Regional Medical Center (a member of the Prime Healthcare Foundation), and its Medicare Advantage market is unusually concentrated: of the roughly 14 MA plans available, Humana offers the majority, reflecting the carrier's long-standing dominance across the oil-and-gas Texas Panhandle. About 38% of the county's ~4,187 Medicare beneficiaries are in Medicare Advantage, below the ~54% national rate (and below the ~42% rural-county average), with the remaining majority in Original Medicare.
Top carriers in Gray County
Humana
3.5-star CMS rating
UnitedHealthcare
3.5-star CMS rating
Wellpoint (Anthem)
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 Gray 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. Gray 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–¸Pampa Regional Medical Center
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Gray County has about 21,045 residents per the 2024 ACS 5-year estimates; 18% are age 65 or older.
Who are the top insurers in Gray County?â–¾
The largest carriers in Gray County are Humana, UnitedHealthcare, Wellpoint (Anthem). 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 Gray County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Pampa Regional Medical Center.
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