[
  {
    "fipsCode": "12086",
    "state": "FL",
    "county": "Miami-Dade",
    "majorCity": "Miami",
    "population2024": 2716940,
    "medicareBenes2024": 505044,
    "maPenetrationPct": 80,
    "pct65Plus": 19,
    "tier": 1,
    "rank": 1,
    "spanishPriority": true,
    "topCarriers": [
      "UnitedHealthcare MedicareMax FL-0028 (HMO)",
      "Humana Gold Plus H1036-054C (HMO)",
      "UnitedHealthcare Preferred FL-0001 (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Miami-Dade",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Highest MA penetration of any large U.S. county outside Puerto Rico (KFF 2024). 46 MA plan options in 2026; 70% rated 4+ stars (medicare.org)."
  },
  {
    "fipsCode": "48201",
    "state": "TX",
    "county": "Harris",
    "majorCity": "Houston",
    "population2024": 4835125,
    "medicareBenes2024": 639500,
    "maPenetrationPct": 61,
    "pct65Plus": 12,
    "tier": 1,
    "rank": 2,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "WellCare Texan Plus (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Houston-Galveston Area Council",
      "phone": "1-800-252-9240",
      "url": "https://www.h-gac.com/area-agency-on-aging"
    },
    "uniqueFact": "Nearly 690,000 residents covered through the ACA in Harris County alone (Episcopal Health Foundation). Houston has the most ACA enrollees of any TX county."
  },
  {
    "fipsCode": "12011",
    "state": "FL",
    "county": "Broward",
    "majorCity": "Fort Lauderdale",
    "population2024": 1944375,
    "medicareBenes2024": 362930,
    "maPenetrationPct": 64,
    "pct65Plus": 17,
    "tier": 1,
    "rank": 3,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "UnitedHealthcare Dual Complete FL-0011 (HMO D-SNP)",
      "Aetna Medicare Premier Plus (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Broward",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Trilingual EN/ES/Haitian Creole market. '22 Health' (Community Care Network) launched 2026 in Broward only — new on-Marketplace ACA carrier."
  },
  {
    "fipsCode": "12099",
    "state": "FL",
    "county": "Palm Beach",
    "majorCity": "West Palm Beach",
    "population2024": 1545968,
    "medicareBenes2024": 359369,
    "maPenetrationPct": 53,
    "pct65Plus": 25,
    "tier": 1,
    "rank": 4,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "UnitedHealthcare Group Medicare Advantage (PPO)",
      "Aetna Medicare Eagle (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Palm Beach",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Affluent retiree corridor — 25% age 65+. Largest county in FL by FIA/LTC-hybrid demand per AALU 2025 distribution data."
  },
  {
    "fipsCode": "48113",
    "state": "TX",
    "county": "Dallas",
    "majorCity": "Dallas",
    "population2024": 2613539,
    "medicareBenes2024": 395000,
    "maPenetrationPct": 57,
    "pct65Plus": 11,
    "tier": 1,
    "rank": 5,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "Cigna TotalCare H4513 (HMO D-SNP)",
      "Wellpoint Texas Group (PPO)"
    ],
    "ship": {
      "name": "TX HICAP — Dallas Area Agency on Aging",
      "phone": "1-800-252-9240",
      "url": "https://www.dallasaaa.com/"
    },
    "uniqueFact": "Humana holds ≥50% of all MA enrollees in Dallas County — among the most concentrated MA markets in the U.S. per KFF."
  },
  {
    "fipsCode": "48029",
    "state": "TX",
    "county": "Bexar",
    "majorCity": "San Antonio",
    "population2024": 2059530,
    "medicareBenes2024": 331900,
    "maPenetrationPct": 59,
    "pct65Plus": 13,
    "tier": 1,
    "rank": 6,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "WellMed Medicare Advantage (HMO)",
      "Superior HealthPlan STAR+PLUS (D-SNP)"
    ],
    "ship": {
      "name": "TX HICAP — Bexar Area Agency on Aging",
      "phone": "1-800-252-9240",
      "url": "https://www.aacog.com/"
    },
    "uniqueFact": "64% Hispanic population — bilingual Medicare content non-negotiable. WellMed is San Antonio's dominant MA-aligned medical group."
  },
  {
    "fipsCode": "48439",
    "state": "TX",
    "county": "Tarrant",
    "majorCity": "Fort Worth",
    "population2024": 2185030,
    "medicareBenes2024": 315400,
    "maPenetrationPct": 56,
    "pct65Plus": 13,
    "tier": 1,
    "rank": 7,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)",
      "Aetna Medicare Eagle (PPO)"
    ],
    "ship": {
      "name": "TX HICAP — North Central Texas Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.nctcog.org/aging"
    },
    "uniqueFact": "Home county of Boomer Benefits — TX's most-cited Medicare publication (CNBC, Forbes, Yahoo Finance). Strong content competition."
  },
  {
    "fipsCode": "12057",
    "state": "FL",
    "county": "Hillsborough",
    "majorCity": "Tampa",
    "population2024": 1505000,
    "medicareBenes2024": 266645,
    "maPenetrationPct": 58,
    "pct65Plus": 14,
    "tier": 1,
    "rank": 8,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Cigna TotalCare H5410 (HMO D-SNP)",
      "WellCare Premier (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Hillsborough",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "ACA + MA combo market — Tampa is FL's #2 ACA county after Miami-Dade."
  },
  {
    "fipsCode": "12103",
    "state": "FL",
    "county": "Pinellas",
    "majorCity": "Clearwater",
    "population2024": 962003,
    "medicareBenes2024": 260835,
    "maPenetrationPct": 55,
    "pct65Plus": 25,
    "tier": 1,
    "rank": 9,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "UnitedHealthcare Group Medicare Advantage (PPO)",
      "Aetna Medicare Eagle (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Pinellas",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "FL's second-oldest large county. 25% age 65+. Strong Medigap demand from snowbird population."
  },
  {
    "fipsCode": "12071",
    "state": "FL",
    "county": "Lee",
    "majorCity": "Cape Coral",
    "population2024": 822800,
    "medicareBenes2024": 218994,
    "maPenetrationPct": 50,
    "pct65Plus": 30,
    "tier": 1,
    "rank": 10,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)",
      "Aetna Medicare Premier (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Lee",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Hurricane Ian rebuild zone (Cape Coral / Fort Myers Beach). 30% age 65+. Term life + final expense positioning around hurricane prep is the natural funnel."
  },
  {
    "fipsCode": "12095",
    "state": "FL",
    "county": "Orange",
    "majorCity": "Orlando",
    "population2024": 1494000,
    "medicareBenes2024": 216535,
    "maPenetrationPct": 62,
    "pct65Plus": 12,
    "tier": 1,
    "rank": 11,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "WellCare Premier (HMO)",
      "Aetna Medicare Premier (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Orange",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Growing Puerto Rican Medicare base (post-Maria migration). Orlando is one of the fastest-growing Hispanic Medicare markets in the U.S."
  },
  {
    "fipsCode": "12031",
    "state": "FL",
    "county": "Duval",
    "majorCity": "Jacksonville",
    "population2024": 1011000,
    "medicareBenes2024": 186978,
    "maPenetrationPct": 55,
    "pct65Plus": 14,
    "tier": 1,
    "rank": 12,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Duval",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Highest veteran population per capita of any large FL county. Mayo Clinic Jacksonville is a major MA-network anchor."
  },
  {
    "fipsCode": "12105",
    "state": "FL",
    "county": "Polk",
    "majorCity": "Lakeland",
    "population2024": 818000,
    "medicareBenes2024": 177515,
    "maPenetrationPct": 65,
    "pct65Plus": 19,
    "tier": 1,
    "rank": 13,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)",
      "Florida Blue BlueMedicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Polk",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "65% MA penetration — Lakeland is one of the highest-MA mid-size counties in FL."
  },
  {
    "fipsCode": "12009",
    "state": "FL",
    "county": "Brevard",
    "majorCity": "Palm Bay",
    "population2024": 638000,
    "medicareBenes2024": 176230,
    "maPenetrationPct": 50,
    "pct65Plus": 23,
    "tier": 1,
    "rank": 14,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Aetna Medicare Eagle (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Brevard",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Space Coast retiree corridor — strong Medigap + term life demand from former NASA/aerospace workforce."
  },
  {
    "fipsCode": "12127",
    "state": "FL",
    "county": "Volusia",
    "majorCity": "Daytona Beach",
    "population2024": 580000,
    "medicareBenes2024": 167801,
    "maPenetrationPct": 55,
    "pct65Plus": 23,
    "tier": 1,
    "rank": 15,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "AdventHealth Advantage (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Volusia",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Daytona retiree market. AdventHealth Advantage is the local provider-owned MA plan."
  },
  {
    "fipsCode": "48453",
    "state": "TX",
    "county": "Travis",
    "majorCity": "Austin",
    "population2024": 1339000,
    "medicareBenes2024": 157200,
    "maPenetrationPct": 48,
    "pct65Plus": 11,
    "tier": 1,
    "rank": 16,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)",
      "Baylor Scott & White Medicare Advantage (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Capital Area Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.capcog.org/divisions/aging-services/"
    },
    "uniqueFact": "Austin — TX's highest-income MSA. Strong FIA/LTC-hybrid + IUL demand among affluent tech retirees."
  },
  {
    "fipsCode": "48085",
    "state": "TX",
    "county": "Collin",
    "majorCity": "Plano",
    "population2024": 1195602,
    "medicareBenes2024": 152300,
    "maPenetrationPct": 43,
    "pct65Plus": 12,
    "tier": 1,
    "rank": 17,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)",
      "Texas Health Aetna Medicare Advantage (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — North Central Texas Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.nctcog.org/aging"
    },
    "uniqueFact": "Plano/Frisco/McKinney — ACA-heavy under-65 (corporate transplant population). Below-state-average MA penetration."
  },
  {
    "fipsCode": "12115",
    "state": "FL",
    "county": "Sarasota",
    "majorCity": "Sarasota",
    "population2024": 467000,
    "medicareBenes2024": 161995,
    "maPenetrationPct": 43,
    "pct65Plus": 34,
    "tier": 1,
    "rank": 18,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Aetna Medicare Premier (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Sarasota",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "34% age 65+. Medigap-dominant (one of the few FL counties where Medigap outsells MA per AHIP 2024 distribution)."
  },
  {
    "fipsCode": "48141",
    "state": "TX",
    "county": "El Paso",
    "majorCity": "El Paso",
    "population2024": 869000,
    "medicareBenes2024": 148900,
    "maPenetrationPct": 74,
    "pct65Plus": 13,
    "tier": 1,
    "rank": 19,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "Amerigroup Texas (HMO D-SNP)",
      "WellMed Medicare Advantage (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Rio Grande Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.riocog.org/"
    },
    "uniqueFact": "74% MA penetration — third-highest in TX after Starr and Hidalgo. Border bilingual market."
  },
  {
    "fipsCode": "12101",
    "state": "FL",
    "county": "Pasco",
    "majorCity": "Spring Hill",
    "population2024": 622000,
    "medicareBenes2024": 147690,
    "maPenetrationPct": 66,
    "pct65Plus": 24,
    "tier": 1,
    "rank": 20,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "WellCare Premier (HMO)",
      "Florida Blue BlueMedicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Pasco",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Nature Coast retiree belt (Spring Hill / Hudson / Holiday). Heavy snowbird overlap with Pinellas."
  },
  {
    "fipsCode": "12083",
    "state": "FL",
    "county": "Marion",
    "majorCity": "Ocala",
    "population2024": 397000,
    "medicareBenes2024": 131618,
    "maPenetrationPct": 55,
    "pct65Plus": 30,
    "tier": 1,
    "rank": 21,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "WellCare Premier (HMO)",
      "Florida Blue BlueMedicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Marion",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "30% age 65+. Dual-eligible heavy — strong D-SNP plan demand."
  },
  {
    "fipsCode": "48121",
    "state": "TX",
    "county": "Denton",
    "majorCity": "Denton",
    "population2024": 1011775,
    "medicareBenes2024": 125000,
    "maPenetrationPct": 46,
    "pct65Plus": 11,
    "tier": 1,
    "rank": 22,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)",
      "Texas Health Aetna Medicare Advantage (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — North Central Texas Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.nctcog.org/aging"
    },
    "uniqueFact": "DFW north growth corridor — high under-65 ACA demand from corporate transplants."
  },
  {
    "fipsCode": "12069",
    "state": "FL",
    "county": "Lake",
    "majorCity": "Clermont",
    "population2024": 422000,
    "medicareBenes2024": 122204,
    "maPenetrationPct": 55,
    "pct65Plus": 29,
    "tier": 1,
    "rank": 23,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "WellCare Premier (HMO)",
      "Florida Blue BlueMedicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Lake",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Adjacent to The Villages — significant retiree overflow into Clermont, Leesburg, Tavares."
  },
  {
    "fipsCode": "48215",
    "state": "TX",
    "county": "Hidalgo",
    "majorCity": "McAllen",
    "population2024": 880000,
    "medicareBenes2024": 120500,
    "maPenetrationPct": 75,
    "pct65Plus": 12,
    "tier": 1,
    "rank": 24,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "WellMed Medicare Advantage (HMO)",
      "Amerigroup Texas (HMO D-SNP)"
    ],
    "ship": {
      "name": "TX HICAP — Lower Rio Grande Valley Development Council",
      "phone": "1-800-252-9240",
      "url": "https://www.lrgvdc.org/"
    },
    "uniqueFact": "75% MA penetration — Rio Grande Valley. Spanish content mandatory; 92% Hispanic population."
  },
  {
    "fipsCode": "12081",
    "state": "FL",
    "county": "Manatee",
    "majorCity": "Bradenton",
    "population2024": 442000,
    "medicareBenes2024": 120134,
    "maPenetrationPct": 50,
    "pct65Plus": 28,
    "tier": 1,
    "rank": 25,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Aetna Medicare Premier (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Manatee",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Bradenton / Lakewood Ranch — affluent retiree growth corridor. FIA + LTC-hybrid is the natural angle."
  },
  {
    "fipsCode": "48157",
    "state": "TX",
    "county": "Fort Bend",
    "majorCity": "Sugar Land",
    "population2024": 916778,
    "medicareBenes2024": 115000,
    "maPenetrationPct": 45,
    "pct65Plus": 11,
    "tier": 2,
    "rank": 26,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "Texas Health Aetna Medicare Advantage (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Houston-Galveston Area Council",
      "phone": "1-800-252-9240",
      "url": "https://www.h-gac.com/area-agency-on-aging"
    },
    "uniqueFact": "Most-diverse county in the U.S. per ProximityOne — strong demand for multilingual Medicare and ACA assistance; Sugar Land / Missouri City retirees."
  },
  {
    "fipsCode": "48339",
    "state": "TX",
    "county": "Montgomery",
    "majorCity": "Conroe",
    "population2024": 749613,
    "medicareBenes2024": 108500,
    "maPenetrationPct": 50,
    "pct65Plus": 14,
    "tier": 2,
    "rank": 27,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "WellCare Texan Plus (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Houston-Galveston Area Council",
      "phone": "1-800-252-9240",
      "url": "https://www.h-gac.com/area-agency-on-aging"
    },
    "uniqueFact": "The Woodlands + Conroe — Houston-MSA's fastest-growing retiree corridor. Strong Term Life + Final Expense demand from energy-sector retirees."
  },
  {
    "fipsCode": "48491",
    "state": "TX",
    "county": "Williamson",
    "majorCity": "Round Rock",
    "population2024": 696410,
    "medicareBenes2024": 95000,
    "maPenetrationPct": 42,
    "pct65Plus": 13,
    "tier": 2,
    "rank": 28,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "Baylor Scott & White Medicare Advantage (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Capital Area Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.capcog.org/divisions/aging-services/"
    },
    "uniqueFact": "Home of Sun City Texas (Georgetown) — TX's largest active-adult retirement community (~17,000 residents). Highest-conversion Medigap county outside Sarasota FL."
  },
  {
    "fipsCode": "48061",
    "state": "TX",
    "county": "Cameron",
    "majorCity": "Brownsville",
    "population2024": 425000,
    "medicareBenes2024": 70000,
    "maPenetrationPct": 65,
    "pct65Plus": 14,
    "tier": 2,
    "rank": 29,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "WellMed Medicare Advantage (HMO)",
      "Amerigroup Texas (HMO D-SNP)"
    ],
    "ship": {
      "name": "TX HICAP — Lower Rio Grande Valley Development Council",
      "phone": "1-800-252-9240",
      "url": "https://www.lrgvdc.org/"
    },
    "uniqueFact": "Rio Grande Valley border county — 90% Hispanic, very high MA penetration. Spanish content mandatory; 'Winter Texan' snowbird inflow."
  },
  {
    "fipsCode": "48167",
    "state": "TX",
    "county": "Galveston",
    "majorCity": "League City",
    "population2024": 358000,
    "medicareBenes2024": 65000,
    "maPenetrationPct": 55,
    "pct65Plus": 17,
    "tier": 2,
    "rank": 30,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "UTMB Health Care Choices (HMO)",
      "WellCare Texan Plus (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Houston-Galveston Area Council",
      "phone": "1-800-252-9240",
      "url": "https://www.h-gac.com/area-agency-on-aging"
    },
    "uniqueFact": "Gulf Coast county anchored by UTMB Health system. Hurricane exposure (Ike, Harvey) drives Term Life + Final Expense conversation."
  },
  {
    "fipsCode": "48355",
    "state": "TX",
    "county": "Nueces",
    "majorCity": "Corpus Christi",
    "population2024": 354000,
    "medicareBenes2024": 70000,
    "maPenetrationPct": 60,
    "pct65Plus": 16,
    "tier": 2,
    "rank": 31,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "WellMed Medicare Advantage (HMO)",
      "Christus Health Plan (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Coastal Bend Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.cbcog98.org/"
    },
    "uniqueFact": "Corpus Christi — Coastal Bend bilingual market. Energy-sector retirees + Naval Air Station Corpus Christi veteran base."
  },
  {
    "fipsCode": "48027",
    "state": "TX",
    "county": "Bell",
    "majorCity": "Killeen",
    "population2024": 384000,
    "medicareBenes2024": 55000,
    "maPenetrationPct": 52,
    "pct65Plus": 11,
    "tier": 2,
    "rank": 32,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "Baylor Scott & White Medicare Advantage (HMO)",
      "TRICARE For Life (supplement to Medicare)"
    ],
    "ship": {
      "name": "TX HICAP — Central Texas Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://ctcog.org/area-agency-on-aging/"
    },
    "uniqueFact": "Fort Cavazos (formerly Fort Hood) — largest active-duty Army post in the U.S. Massive TRICARE-to-Medicare transition market; Term Life for younger families."
  },
  {
    "fipsCode": "48303",
    "state": "TX",
    "county": "Lubbock",
    "majorCity": "Lubbock",
    "population2024": 320000,
    "medicareBenes2024": 50000,
    "maPenetrationPct": 48,
    "pct65Plus": 13,
    "tier": 2,
    "rank": 33,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "Covenant Medicare Plan (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — South Plains Association of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.spag.org/area-agency-on-aging/"
    },
    "uniqueFact": "South Plains regional hub — Covenant Health is the dominant provider-aligned MA plan. Oil + agriculture retiree mix."
  },
  {
    "fipsCode": "48479",
    "state": "TX",
    "county": "Webb",
    "majorCity": "Laredo",
    "population2024": 270000,
    "medicareBenes2024": 35000,
    "maPenetrationPct": 60,
    "pct65Plus": 10,
    "tier": 2,
    "rank": 34,
    "spanishPriority": true,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "WellMed Medicare Advantage (HMO)",
      "Amerigroup Texas (HMO D-SNP)"
    ],
    "ship": {
      "name": "TX HICAP — South Texas Development Council",
      "phone": "1-800-252-9240",
      "url": "https://www.stdc.cog.tx.us/"
    },
    "uniqueFact": "Laredo — 95%+ Hispanic. Spanish-language content non-negotiable. Cross-border family demographics; ACA enrollment heavy."
  },
  {
    "fipsCode": "48309",
    "state": "TX",
    "county": "McLennan",
    "majorCity": "Waco",
    "population2024": 263000,
    "medicareBenes2024": 45000,
    "maPenetrationPct": 50,
    "pct65Plus": 14,
    "tier": 2,
    "rank": 35,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "Baylor Scott & White Medicare Advantage (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — Heart of Texas Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.hotcog.org/"
    },
    "uniqueFact": "Waco — Baylor Scott & White system dominates the local MA market. Strong dual-eligible (D-SNP) demand."
  },
  {
    "fipsCode": "48423",
    "state": "TX",
    "county": "Smith",
    "majorCity": "Tyler",
    "population2024": 240000,
    "medicareBenes2024": 50000,
    "maPenetrationPct": 55,
    "pct65Plus": 18,
    "tier": 2,
    "rank": 36,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H4007 (HMO)",
      "UT Health East Texas Medicare Advantage (HMO)",
      "UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)"
    ],
    "ship": {
      "name": "TX HICAP — East Texas Council of Governments",
      "phone": "1-800-252-9240",
      "url": "https://www.etcog.org/"
    },
    "uniqueFact": "East Texas regional medical hub — UT Health East Texas system. Higher 65+ rate than TX average; classic retiree market."
  },
  {
    "fipsCode": "12021",
    "state": "FL",
    "county": "Collier",
    "majorCity": "Naples",
    "population2024": 401000,
    "medicareBenes2024": 110000,
    "maPenetrationPct": 40,
    "pct65Plus": 32,
    "tier": 2,
    "rank": 37,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Aetna Medicare Premier (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Collier",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Naples — one of the highest-income retirement counties in the U.S. Medigap + FIA + LTC-hybrid dominate; almost no MA penetration relative to other FL counties."
  },
  {
    "fipsCode": "12119",
    "state": "FL",
    "county": "Sumter",
    "majorCity": "The Villages",
    "population2024": 142000,
    "medicareBenes2024": 85000,
    "maPenetrationPct": 62,
    "pct65Plus": 58.9,
    "tier": 2,
    "rank": 38,
    "spanishPriority": false,
    "topCarriers": [
      "UnitedHealthcare AARP Medicare Advantage The Villages (HMO)",
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Sumter",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "The Villages — 58.9% age 65+ (2020 Census), the oldest county in the U.S. by median age (68.1, Census 2024). Single highest-density retiree market in America."
  },
  {
    "fipsCode": "12015",
    "state": "FL",
    "county": "Charlotte",
    "majorCity": "Port Charlotte",
    "population2024": 197000,
    "medicareBenes2024": 80000,
    "maPenetrationPct": 48,
    "pct65Plus": 41,
    "tier": 2,
    "rank": 39,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Aetna Medicare Premier (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — Charlotte",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Port Charlotte / Punta Gorda — 41% age 65+. Hurricane Ian (2022) rebuild ongoing; Term Life + property-loss conversations."
  },
  {
    "fipsCode": "12017",
    "state": "FL",
    "county": "Citrus",
    "majorCity": "Inverness",
    "population2024": 165000,
    "medicareBenes2024": 65000,
    "maPenetrationPct": 62,
    "pct65Plus": 38,
    "tier": 2,
    "rank": 40,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "WellCare Premier (HMO)",
      "Florida Blue BlueMedicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Citrus",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Nature Coast retiree county — 38% age 65+. Adjacent to Sumter (Villages overflow). High MA penetration + Medigap demand."
  },
  {
    "fipsCode": "12053",
    "state": "FL",
    "county": "Hernando",
    "majorCity": "Brooksville",
    "population2024": 207000,
    "medicareBenes2024": 70000,
    "maPenetrationPct": 65,
    "pct65Plus": 30,
    "tier": 2,
    "rank": 41,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "WellCare Premier (HMO)",
      "Florida Blue BlueMedicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Hernando",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Spring Hill — Nature Coast retiree corridor. 65% MA penetration. Heavy dual-eligible (D-SNP) population."
  },
  {
    "fipsCode": "12061",
    "state": "FL",
    "county": "Indian River",
    "majorCity": "Vero Beach",
    "population2024": 167000,
    "medicareBenes2024": 60000,
    "maPenetrationPct": 45,
    "pct65Plus": 34,
    "tier": 2,
    "rank": 42,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Cleveland Clinic Indian River Plan (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Indian River",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Vero Beach / Sebastian — 34% age 65+. Cleveland Clinic anchor draws affluent NE retirees. Medigap + FIA dominant."
  },
  {
    "fipsCode": "12085",
    "state": "FL",
    "county": "Martin",
    "majorCity": "Stuart",
    "population2024": 165000,
    "medicareBenes2024": 55000,
    "maPenetrationPct": 40,
    "pct65Plus": 36,
    "tier": 2,
    "rank": 43,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Cleveland Clinic Florida Medicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Martin",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Stuart / Palm City — Treasure Coast affluent retirees. Highest median household income on FL East Coast outside Palm Beach. FIA + Medigap-heavy."
  },
  {
    "fipsCode": "12109",
    "state": "FL",
    "county": "St. Johns",
    "majorCity": "St. Augustine",
    "population2024": 304000,
    "medicareBenes2024": 60000,
    "maPenetrationPct": 50,
    "pct65Plus": 20,
    "tier": 2,
    "rank": 44,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Aetna Medicare Premier (PPO)"
    ],
    "ship": {
      "name": "Florida SHINE — St. Johns",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "St. Augustine / Ponte Vedra Beach — Jacksonville-MSA's affluent retiree growth corridor. Mayo Clinic adjacent."
  },
  {
    "fipsCode": "12117",
    "state": "FL",
    "county": "Seminole",
    "majorCity": "Sanford",
    "population2024": 481000,
    "medicareBenes2024": 75000,
    "maPenetrationPct": 55,
    "pct65Plus": 16,
    "tier": 2,
    "rank": 45,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "WellCare Premier (HMO)",
      "AdventHealth Advantage (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Seminole",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Orlando MSA suburb — AdventHealth-aligned MA plans. Growing PR Medicare base (post-Maria migration)."
  },
  {
    "fipsCode": "12111",
    "state": "FL",
    "county": "St. Lucie",
    "majorCity": "Port St. Lucie",
    "population2024": 367000,
    "medicareBenes2024": 80000,
    "maPenetrationPct": 58,
    "pct65Plus": 23,
    "tier": 2,
    "rank": 46,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Cleveland Clinic Florida Medicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — St. Lucie",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Port St. Lucie — fastest-growing FL city for under-65 retirees moving from the NE. ACA + early Medicare planning."
  },
  {
    "fipsCode": "12033",
    "state": "FL",
    "county": "Escambia",
    "majorCity": "Pensacola",
    "population2024": 322000,
    "medicareBenes2024": 65000,
    "maPenetrationPct": 55,
    "pct65Plus": 18,
    "tier": 2,
    "rank": 47,
    "spanishPriority": false,
    "topCarriers": [
      "Humana Gold Plus H1036 (HMO)",
      "Florida Blue BlueMedicare (HMO)",
      "Baptist Health Care Medicare (HMO)"
    ],
    "ship": {
      "name": "Florida SHINE — Escambia",
      "phone": "1-800-963-5337",
      "url": "https://www.floridashine.org/"
    },
    "uniqueFact": "Pensacola — Florida Panhandle. Heavy military/veteran population (NAS Pensacola). Strong TRICARE-to-Medicare transition market."
  }
]