Final Expense in Starr County, Texas. About 10,541 Medicare beneficiaries live here, with roughly 84 percent in Medicare Advantage plans. Top carriers include UnitedHealthcare and Humana. For free help comparing plans, call Giron Agency, a licensed Texas agency, or visit gironagency.com.
Starr County, TX has about 66,240 residents per the 2024 ACS 5-year estimates (11% age 65 or older). The leading insurance carriers serving the county for final expense include UnitedHealthcare, Humana, Aetna Better Health of Texas. We compare options at no cost to you.
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The Starr County final expense market
Starr County has about 66,240 residents, 11% of them 65 or older. For final expense, the carriers with the strongest local presence include UnitedHealthcare, Humana, Aetna Better Health of Texas — but the right fit depends on your household size, income, and which doctors you want to keep. We compare UnitedHealthcare against every other carrier serving Starr 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).
Starr County at a glance
Population (2024 ACS)
66,240
Medicare beneficiaries
10,541
MA penetration
84%
Age 65 or older
11%
What makes Starr County different: Starr County has one of the very highest Medicare Advantage penetration rates in the continental United States: per KFF's 2024 analysis it is one of only three continental U.S. counties at or above 80% MA enrollment (alongside Miami-Dade, FL and Monroe, NY). The county is overwhelmingly Hispanic (about 97%) and is an agricultural producer in the lower Rio Grande Valley.
Top carriers in Starr County
UnitedHealthcare (Physicians Health Choice of Texas)
3.5-star CMS rating
Humana
4-star CMS rating
Aetna Better Health of Texas
3.5-star CMS rating
WellCare (Centene) of Texas
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 Starr 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. Starr 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–¸Starr County Memorial Hospital (Rio Grande City)
â–¸Starr County Memorial Hospital Rural Health 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: Starr County Memorial Hospital (Rio Grande City), Starr County Memorial Hospital Rural Health Clinic
Frequently Asked Questions
How many people live in Starr County?â–¾
Starr County has about 66,240 residents per the 2024 ACS 5-year estimates; 11% are age 65 or older.
Who are the top insurers in Starr County?â–¾
The largest carriers in Starr County are UnitedHealthcare (Physicians Health Choice of Texas), Humana, Aetna Better Health of Texas, WellCare (Centene) of Texas. 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 Starr County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Starr County Memorial Hospital (Rio Grande City), Starr County Memorial Hospital Rural Health Clinic.
How does Starr County's high Medicare Advantage enrollment affect final expense insurance?â–¾
In Starr County, nearly 97% of residents are Hispanic, and many may already have Medicare. Our $5,000-$50,000 simplified-issue whole life plan can help cover funeral costs without duplicating coverage from MA plans.
When is the best time to enroll in final expense insurance?â–¾
You can enroll at any time, but it's especially wise during Annual Enrollment Period (AEP) October 15-December 7. Speak with a local agent to explore options and ensure you have coverage when needed.
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