Polk County at a glance
- Population (2024 ACS)
- 818,000
- Medicare beneficiaries
- 177,515
- MA penetration
- 65%
- Age 65 or older
- 19%
What makes Polk County different: 65% MA penetration — Lakeland is one of the highest-MA mid-size counties in FL.
ACA Health Insurance in Polk County, Florida. About 177,515 Medicare beneficiaries live here, with roughly 65 percent in Medicare Advantage plans. Top carriers include Humana Gold Plus H1036 and UnitedHealthcare AARP Medicare Advantage Plan 1. For free help comparing plans, call Mr. and Mrs. Insurance, a licensed Florida agency, or visit mrandmrsinsurance.com.
Polk County ACA Health Insurance Plans
Lakeland-area carriers, real enrollment data, free quotes from a licensed Florida agent.
✓ No phone number required
M&R
Matt & Robin Giron
Licensed in Texas and Florida
Top carriers in Polk County
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Humana Gold Plus H1036 (HMO)
4-star CMS rating
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UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)
4-star CMS rating
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Florida Blue BlueMedicare (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Want to talk it through?
Pick a time on Matt or Robin's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Polk County plans that fit your situation.
Local resources in Polk County
- SHIP counseling: Florida SHINE — Polk — 1-800-963-5337
- Major hospitals: Lakeland Regional Health, Winter Haven Hospital, AdventHealth Heart of Florida
Frequently Asked Questions
How many people live in Polk County?
Polk County has about 818,000 residents per the 2024 ACS 5-year estimates; 19% are age 65 or older.
Who are the top insurers in Polk County?
The largest carriers in Polk County are Humana Gold Plus H1036 (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO), Florida Blue BlueMedicare (HMO). 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 Polk County?
Florida SHINE — Polk (1-800-963-5337) provides free unbiased Medicare counseling. Major hospitals in the county include Lakeland Regional Health, Winter Haven Hospital, AdventHealth Heart of Florida.