Final Expense in Ward County, Texas. About 1,902 Medicare beneficiaries live here, with roughly 40 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.
Ward County, TX has about 11,144 residents per the 2024 ACS 5-year estimates (14% age 65 or older). The leading insurance carriers serving the county for final expense include UnitedHealthcare, Humana, Aetna Medicare. We compare options at no cost to you.
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The Ward County final expense market
Ward County has about 11,144 residents, 14% of them 65 or older. For final expense, the carriers with the strongest local presence include UnitedHealthcare, Humana, Aetna Medicare — 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 Ward 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).
Ward County at a glance
Population (2024 ACS)
11,144
Medicare beneficiaries
1,902
MA penetration
40%
Age 65 or older
14%
What makes Ward County different: Ward County's Medicare population is small and Original-Medicare-leaning relative to its size: only about 17% of residents are Medicare beneficiaries (1,911 of 11,144) because the Permian Basin oil-and-gas economy keeps the county's median age near 34.5 years, yet Medicare Advantage has still captured roughly 42% of those beneficiaries (812 of 1,911), led by UnitedHealthcare's regional PPO. The county's sole hospital, the county-owned 25-bed critical-access Ward Memorial Hospital in Monahans, anchors care for a 14-county rural area of West Texas.
Top carriers in Ward County
UnitedHealthcare (UnitedHealth Group)
3.5-star CMS rating
Humana
4-star CMS rating
Aetna Medicare (CVS Health)
4.5-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 Ward 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. Ward 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–¸Ward Memorial Hospital (Monahans, TX)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Ward Memorial Hospital (Monahans, TX)
Frequently Asked Questions
How many people live in Ward County?â–¾
Ward County has about 11,144 residents per the 2024 ACS 5-year estimates; 14% are age 65 or older.
Who are the top insurers in Ward County?â–¾
The largest carriers in Ward County are UnitedHealthcare (UnitedHealth Group), Humana, Aetna Medicare (CVS Health). 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 Ward County?â–¾
Texas HICAP (Health Information, Counseling and Advocacy Program) (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Ward Memorial Hospital (Monahans, TX).
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