Median ages of 35.8 and 40.1, and most households own their home
ZIP code 91384 covers Castaic and Val Verde. Of its 26,478 people, 2,779 are 65 or older, or 10.5 percent. The median age is 35.8, the median household income is $131,689, and 84.1 percent of households own their home. In 91381, Stevenson Ranch, 2,158 of the 22,582 people are 65 or older, or 9.6 percent. The median age there is 40.1, the median household income is $158,504, and 65.2 percent of households own their home. Across both ZIP codes, 4,937 of the 49,060 people are 65 or older, or 10.1 percent. The Los Angeles County share is 15.2 percent. Homeownership goes the other way: 10,919 of the 14,677 households own their home, or 74.4 percent, and the county rate is 45.9 percent. The source is the American Community Survey, 2020 to 2024. The counts of people 65 and older come from adding up the survey's age groups, not from multiplying the population by a percentage. In 91384, 28.9 percent of everyone age 5 and up speaks Spanish at home, and 62.5 percent speak only English. In 91381 the shares are 9.1 percent Spanish and 64.5 percent English only. If Spanish is the language you or your parents are most at ease in, Lara can compare plans with you and complete the enrollment in Spanish.
Henry Mayo in Valencia, or Kaiser in Panorama City and Woodland Hills
Neither 91384 nor 91381 has a hospital. The general hospital for the Santa Clarita Valley is Henry Mayo Newhall Hospital, at 23845 McBean Pkwy in Valencia, licensed for 334 beds. Kaiser has no hospital anywhere in the valley. The nearest two are down the freeway. Kaiser Foundation Hospital Panorama City, at 13652 Cantara St, is licensed for 218 beds, and Kaiser Foundation Hospital Woodland Hills, at 5601 De Soto Ave, for 274. Both are for Kaiser plan members. The bed figures are the licensed totals in California state records, read in September 2026. Henry Mayo and Kaiser belong to different systems, and the plan you choose determines which one you use. With Medicare Advantage, what decides it is the medical group a plan works through, not the company selling it. One company can sell a plan whose group admits at Henry Mayo and another whose group does not. Plans and medical groups renegotiate those contracts year to year. Bring Lara a list of your doctors and your pharmacy. She will check each name against every plan she offers, tell you which plans include all of them, and say whether Henry Mayo is in the same network. Networks can change every year, so she goes back through your list each fall.
Working past 65, and the surcharge on higher incomes
In Castaic and Stevenson Ranch, the person turning 65 is often still at work, with a health plan through the job. If that coverage comes from your current job, or your spouse's, at an employer with 20 or more employees, you can usually put Part B off without a penalty. When the job or the coverage ends, whichever comes first, you get eight months to sign up with no penalty. COBRA and retiree plans do not count as coverage from current work, so the eight months begin when the job ends, even if you stay on COBRA. If you put money into a health savings account, time your Part A start date around it, because HSA contributions have to stop once Part A begins. With median household incomes of $131,689 in 91384 and $158,504 in 91381, the income surcharge is worth checking too. Higher earners pay more for Parts B and D through an income related adjustment. Social Security bases it on the income your tax return showed two years earlier. So the salary you earned before you stopped working can still raise your premiums. Retirement counts as a life changing event, so once your income drops you can report it on Form SSA-44 and ask that your current income be used.
Medicare Advantage across Los Angeles County in 2027
About 57 percent of Los Angeles County's 1.7 million Medicare beneficiaries are enrolled in Medicare Advantage or another Medicare health plan (CMS, May 2026). The county has 70 Medicare Advantage plans open to general enrollment in 2027, plus 54 Special Needs Plans, and 60 of the 70 charge a $0 monthly plan premium (CMS 2027 Landscape file). What varies far more is the out of pocket maximum, the most you pay in a year for covered care in network: our analysis of the same file puts the average at $2,232 and the median at $1,500, with a range from $199 to $9,850.
Lara is a licensed insurance agent. Insurance companies pay her when you enroll, so her help costs you nothing and your premium is the same with or without her.
How Lara is paidIndependent Medicare help in Castaic and Stevenson Ranch
Goulson Insurance Services Inc. is an independent insurance agency, and our agents work as licensed brokers for Castaic and Stevenson Ranch families. No single insurance company employs us or decides what we recommend, so the comparison starts with your doctors, your prescriptions and your budget. We put Medicare Advantage, Medicare Supplement and Part D plans from several carriers side by side, and you enroll only if one fits. The agency holds CA license 6020069, Lara Goulson holds CA license 0E69969, and we work in English, Spanish and Hebrew.
Help with claims and bills, plus life and long term care
For families in 91384 and 91381, Lara also covers long term care, final expense and life insurance, each in its own conversation, apart from any Medicare review. She stays involved after you enroll. If a claim gets denied or a bill looks wrong, she gets on a call with you to the plan or the doctor's office.
Before you sign up for Part B, or decide to wait, ask Lara: (818) 472-5484.
You reach Lara directly · English, Español, עברית · Licensed in 12 states · 5.0 on Google · No cost to you
Nearby Neighborhoods
We serve the whole San Fernando Valley and greater Los Angeles. These are the neighborhood pages closest to this one.