Final Expense in Young County, Texas. About 4,642 Medicare beneficiaries live here, with roughly 27 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.
Young County, TX has about 18,029 residents per the 2024 ACS 5-year estimates (21% age 65 or older). The leading insurance carriers serving the county for final expense include UnitedHealthcare, Humana, Blue Cross Blue Shield of Texas. We compare options at no cost to you.
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The Young County final expense market
Young County has about 18,029 residents, 21% of them 65 or older. For final expense, the carriers with the strongest local presence include UnitedHealthcare, Humana, Blue Cross Blue Shield 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 Young 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).
Young County at a glance
Population (2024 ACS)
18,029
Medicare beneficiaries
4,642
MA penetration
27%
Age 65 or older
21%
What makes Young County different: Although Medicare Advantage holds only about 29% penetration in this rural North Texas county, a single insurer, UnitedHealthcare, controls roughly 62% of Young County's MA enrollment (766 of about 1,236 members) primarily through its Care Improvement Plus regional PPO (UHC Medicare Advantage TX-0030, contract R6801), leaving Original Medicare with Medigap as the prevailing coverage choice for the county's roughly 4,600 beneficiaries.
Top carriers in Young County
UnitedHealthcare
3.5-star CMS rating
Humana
3.5-star CMS rating
Blue Cross Blue Shield of Texas (HCSC)
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 Young 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. Young 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–¸Graham Regional Medical Center (Graham, 37-bed short-term acute care hospital, CCN 450085)
â–¸Olney Hamilton Hospital (Olney, 25-bed critical access hospital, CCN 451354)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Major hospitals: Graham Regional Medical Center (Graham, 37-bed short-term acute care hospital, CCN 450085), Olney Hamilton Hospital (Olney, 25-bed critical access hospital, CCN 451354)
Frequently Asked Questions
How many people live in Young County?â–¾
Young County has about 18,029 residents per the 2024 ACS 5-year estimates; 21% are age 65 or older.
Who are the top insurers in Young County?â–¾
The largest carriers in Young County are UnitedHealthcare, Humana, Blue Cross Blue Shield of Texas (HCSC). 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 Young County?â–¾
Texas HICAP (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Graham Regional Medical Center (Graham, 37-bed short-term acute care hospital, CCN 450085), Olney Hamilton Hospital (Olney, 25-bed critical access hospital, CCN 451354).
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