Medicare Supplement in Liberty County, Texas. About 16,473 Medicare beneficiaries live here, with roughly 65 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.
Liberty County, TX has 16,473 Medicare beneficiaries per CMS Q1 2024 data, with about 65% enrolled in Medicare Advantage. The top medicare supplement carriers are UnitedHealthcare, Humana, Cigna HealthSpring Preferred. We compare these plans for free and never charge a fee.
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The Liberty County medicare supplement market
Liberty County posts one of the highest Medicare Advantage adoption rates in Texas — roughly 65% of its 16,473 beneficiaries chose an MA plan over Original Medicare. That level of uptake usually means carriers compete hard locally, so the extra benefits (dental, OTC allowance, transportation, gym) tend to be richer than the Texas average. Only 13% of Liberty residents are 65 or older, so it's a younger county where fewer agents specialize in Medicare locally — exactly the gap a dedicated Texas agent fills. UnitedHealthcare currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 28 Medicare Advantage plans are available in Liberty County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
Liberty County at a glance
Population (2024 ACS)
115,042
Medicare beneficiaries
16,473
MA penetration
65%
Age 65 or older
13%
What makes Liberty County different: Liberty County is one of the youngest counties in this batch — its median age is in the mid-30s and about 13.1% of residents are 65+ (vs. ~26% in neighboring retiree counties like Hood), reflecting rapid exurban spillover from northeast Houston via Dayton and Cleveland. That young, working-family profile (the 2020 population of 91,628 has surged past 115,000) makes ACA marketplace and term-life demand unusually strong relative to its Medicare base of roughly 16,000 beneficiaries, served locally by the 25-bed Liberty Dayton Regional Medical Center.
Top Medicare Advantage plans in Liberty County
UnitedHealthcare (AARP Medicare Advantage)
4.5-star CMS rating
Humana (HumanaChoice PPO)
4-star CMS rating
Cigna HealthSpring Preferred (HMO)
3.5-star CMS rating
WellCare
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 Liberty County
Each Medicare Supplement plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Liberty 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
▸Liberty Dayton Regional Medical Center (Liberty)
▸Cleveland Regional Medical Center (Cleveland)
Call each hospital's billing office directly — or use the carrier's
network tool on the right to search by hospital name.
Or skip the cross-checking — we run network checks against your prescriptions and doctors
at no cost during any consult.
Medicare AEP opens in 131 days
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Major hospitals: Liberty Dayton Regional Medical Center (Liberty), Cleveland Regional Medical Center (Cleveland)
Frequently Asked Questions
How many Medicare beneficiaries live in Liberty County?▾
About 16,473 Texans in Liberty County are enrolled in Medicare as of May 2026 CMS data. About 65% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
Who are the top Medicare carriers in Liberty County?▾
The largest carriers in Liberty County are UnitedHealthcare (AARP Medicare Advantage), Humana (HumanaChoice PPO), Cigna HealthSpring Preferred (HMO), WellCare. We work with all of them and a few smaller carriers that often have better rates for specific situations.
What SHIP resources are available in Liberty County?▾
Texas HICAP (Health Information, Counseling and Advocacy Program) (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Liberty Dayton Regional Medical Center (Liberty), Cleveland Regional Medical Center (Cleveland).
How many Medicare Advantage plans are available in Liberty County?▾
As of May 2026, about 28 Medicare Advantage plans are available to Liberty County residents, led by UnitedHealth Group, Inc., Humana Inc., Health Care Service Corporation, CVS Health Corporation. We compare all of them side by side at no cost.
How does the young working population affect Medicare supplement plans in Liberty County?▾
Due to Liberty County's younger median age and strong ACA marketplace demand, many residents opt for term life insurance alongside their Medicare supplements. Matt can help tailor a plan that fits your specific needs.
When is the best time to enroll in Medicare Supplement plans?▾
Annual Enrollment Period (AEP) from Oct 15 to Dec 7 is when you can switch or sign up for Medicare Supplement plans without health questions. Special enrollment periods are also available if you have a life event.
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Educational only — not medical or legal advice. We do not offer every plan in your area. Call 1-800-MEDICARE for all options.
