Medicare in Spotsylvania County by the numbers
| Spotsylvania County | Virginia | |
|---|---|---|
| Residents age 65 and older | 23,454 | 1,498,879 statewide |
| Share of residents age 65+ | 15.7% | 17.2% statewide |
| People with Medicare | 28,424 | 1,764,998 statewide |
| Enrolled in Medicare Advantage | 10,131 | 698,851 statewide |
| Medicare Advantage share | 35.6% | 39.6% statewide |
Figures come from the Census Bureau and CMS (September 2026).
Spotsylvania County ranks 13th of 133 Virginia counties by number of residents age 65 and older, with about 23,454 people in that age group, or 15.7% of residents (statewide: 17.2%). About 9,283 more people are 60 to 64 and are heading toward Medicare; our turning 65 guide explains their first steps. Among residents 65 and older, 60% are 65 to 74, 31% are 75 to 84 and 9% are 85 or older (Census 2023 estimates). CMS data show 35.6% of Spotsylvania County residents with Medicare chose Medicare Advantage, which is close to the 39.6% average across Virginia. A county average does not tell you which kind of plan fits you. Whether Medicare Advantage or Original Medicare with a Medigap plan is the better fit depends on your doctors, your prescriptions and how you want to handle costs, so we compare both for your ZIP code.
Who has Medicare in Spotsylvania County
The U.S. Department of Agriculture classifies Spotsylvania County as a metro county (counties in metro areas of 1 million population or more). Counties like this tend to have a wider choice of hospitals and Medicare plans than rural ones, though networks still differ plan by plan.
CMS counts 26,426 Medicare beneficiaries in Spotsylvania County (2023). Their average age is 73, about the same as the Virginia average of 74. About 7% are “dual eligible,” meaning they have both Medicare and Medicaid, close to the state figure of 9%.
Among people in Original Medicare in Spotsylvania County, CMS reported about 671 emergency room visits and 251 inpatient hospital stays per 1,000 beneficiaries in 2023, which is higher than the state average for emergency visits (589) and higher than it for hospital stays (206). About 9% received home health care. These figures describe how people use care under Original Medicare; they do not show what any plan covers or costs.
Sources: CMS Medicare Geographic Variation, 2023; USDA Rural-Urban Continuum Codes, 2023.
Where you live decides which Medicare Advantage and Part D plans you can join, and Spotsylvania County may have a different set of plans than the counties around it. We are not based in Spotsylvania County; we help Spotsylvania County residents by phone or video call.
Hospitals located in Spotsylvania County
The Centers for Medicare & Medicaid Services (CMS) lists this hospital in Spotsylvania County:
- Spotsylvania Regional Medical Center — Fredericksburg (acute care; for-profit; emergency services; CMS overall rating 3 of 5)
Being located in the county is not the same as being in your plan’s network. Each Medicare Advantage plan builds its own network, so we confirm that your hospital and your doctors are included before you choose. Ratings are CMS Care Compare overall hospital star ratings; they describe the hospital, not whether a plan covers it. Source: CMS Hospital General Information.
Where people live in Spotsylvania County
ZIP codes that fall mostly inside Spotsylvania County include 22407, 22408, 22534, 22551, 22553. Plan availability can change by ZIP code, so have yours ready when we compare plans.
Questions about Medicare in Spotsylvania County?
Reach out to us: fill out our short form or call (571) 354-0146, and a licensed agent will compare the plans available to you, check your doctors and drugs, and stay with you each year at renewal. For general Medicare information, the federal helpline is 1-800-MEDICARE (1-800-633-4227).
Medicare resources from official sources
- Medicare Plan Finder on Medicare.gov, searchable by ZIP code.
- Social Security: Medicare to enroll or check status.
- Medicare.gov: Medigap on how Medicare Supplement works.
- Virginia’s Insurance Marketplace, Virginia’s own health insurance exchange, if you are not yet on Medicare.
- Virginia Bureau of Insurance: Virginia’s insurance regulator, including agent license lookup.
Coverage we offer Spotsylvania County residents
We work with many carriers, which lets us compare more than one option for Spotsylvania County households, including ACA health insurance, ICHRA, group health insurance, life insurance, final expense insurance, annuities, Medicare Advantage, Medicare Supplement (Medigap) and Part D drug plans.
Ready to compare plans in Spotsylvania County?
Tell us your doctors and medicines and we will show you what fits. No cost, no pressure.
Get my plan comparisonPlain-English Medicare answers
- What happens if you do nothing during open enrollment?
- Medicare Parts A, B, C and D explained
- Do you really need a Medicare agent?
- When can you switch Medicare plans? Every enrollment window
Spotsylvania County compared with similar Virginia counties
| County | Residents 65+ | Medicare Advantage share | Dual eligible share | Area type |
|---|---|---|---|---|
| City of Hampton | 23,421 | 49.1% | 9% | Metro |
| James City County | 22,517 | 30.4% | 3% | Metro |
| Hanover County | 22,514 | 36.3% | 4% | Metro |
| Albemarle County | 24,602 | 22.4% | 5% | Metro |
| Roanoke County | 21,875 | 37.5% | 6% | Metro |
| City of Alexandria | 20,937 | 29.9% | 8% | Metro |
See every Virginia county in our Virginia directory or go to our Virginia Medicare hub.