Term Life Insurance in Zapata County, Texas. About 2,177 Medicare beneficiaries live here, with roughly 75 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.
Zapata County Term Life Insurance — quick answer
Zapata County, TX has about 13,841 residents per the 2024 ACS 5-year estimates (14% age 65 or older). The leading insurance carriers serving the county for term life insurance include UnitedHealthcare, Humana, Molina Healthcare. We compare options at no cost to you.
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The Zapata County term life insurance market
Zapata County has about 13,841 residents, 14% of them 65 or older. For term life insurance, the carriers with the strongest local presence include UnitedHealthcare, Humana, Molina Healthcare — 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 Zapata 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).
Zapata County at a glance
Population (2024 ACS)
13,841
Medicare beneficiaries
2,177
MA penetration
75%
Age 65 or older
14%
What makes Zapata County different: Zapata County has no hospital within its borders; residents rely on the Gateway Community Health Center clinic in the town of Zapata for primary care and travel to the critical-access Starr County Memorial Hospital in Rio Grande City or to acute-care hospitals in Laredo for inpatient and emergency services. The county skews younger than Texas overall (about 13.7% of residents are 65+), yet sits in a South Texas border region with very high Medicare Advantage uptake: per CMS, roughly 69% of Zapata County's ~2,100 Medicare beneficiaries are enrolled in Medicare Advantage in 2024, and neighboring Starr County reaches 81% MA enrollment, one of only three U.S. counties above 80% (KFF, 2024).
Top carriers in Zapata County
UnitedHealthcare (AARP)
4.5-star CMS rating
Humana
4.5-star CMS rating
Molina Healthcare
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 Zapata County
Each Term Life Insurance plan builds its own provider network — a hospital that's in-network
on one plan may be out-of-network on another. Zapata County has 3
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 - critical access, nearest serving Zapata County)
â–¸Doctors Hospital of Laredo
â–¸Laredo Medical Center
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 - critical access, nearest serving Zapata County), Doctors Hospital of Laredo, Laredo Medical Center
Frequently Asked Questions
How many people live in Zapata County?â–¾
Zapata County has about 13,841 residents per the 2024 ACS 5-year estimates; 14% are age 65 or older.
Who are the top insurers in Zapata County?â–¾
The largest carriers in Zapata County are UnitedHealthcare (AARP), Humana, Molina Healthcare. 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 Zapata 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 Starr County Memorial Hospital (Rio Grande City - critical access, nearest serving Zapata County), Doctors Hospital of Laredo, Laredo Medical Center.
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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.
