More than one in four people in 90265 is 65 or older
Of the 15,918 people who live in ZIP code 90265, 4,544 are 65 or older. That is 28.5 percent, against 15.2 percent for Los Angeles County. The median age here is 52.0, and for the county it is 38.2. The median household income is $196,742. Of the 6,262 occupied homes, 4,916 are owner occupied, or 78.5 percent. Across the county the rate is 45.9 percent. Among people 5 and older, 80.5 percent speak only English at home and 6.3 percent speak Spanish. If Spanish is easier for you or your parents, Lara can do the whole review in Spanish. These figures come from the 2020 to 2024 American Community Survey. The count of people 65 and older is added up from the age brackets, not estimated from a percentage. Every number here describes Malibu before the January 2025 fires.
Hospitals near Malibu, and which plans include them
Every hospital you might use is outside 90265. East along the coast, Santa Monica UCLA Medical Center (1250 16th Street) is licensed for 281 beds and Providence Saint John's Health Center (2121 Santa Monica Blvd) for 266. Over the mountains, UCLA West Valley Medical Center (7300 Medical Center Dr, West Hills) is licensed for 249 and Providence Cedars-Sinai Tarzana Medical Center (18321 Clark Street) for 204. Kaiser Foundation Hospital Woodland Hills (5601 De Soto Ave) is licensed for 274, and for anything but an emergency you need a Kaiser plan to use it. Los Robles Hospital and Medical Center (215 W Janss Rd, Thousand Oaks) sits across the Ventura County line. The bed counts come from California state licensing records for Los Angeles County, read in September 2026, which is why Los Robles has none here. UCLA, Providence and Kaiser are three separate systems. A Medicare Advantage plan works through a medical group, and that group decides which of these hospitals you can use. Two plans from the same insurer can come with different groups and different doctors, and those contracts are renegotiated every year. A group based on the wrong side of the mountains adds real miles to every appointment. Before you enroll, Lara looks up your doctors, your hospital and your pharmacy in each plan's current directory. She checks again each fall, when plans publish their changes.
Travel, the income surcharge, your house and the fires
If you keep doctors on the Westside and spend part of the year away, Original Medicare with a Medicare Supplement is the usual answer. It works with any doctor or hospital in the country that takes Medicare. A Medicare Advantage plan is built around one medical group. It covers emergencies anywhere in the country, but routine care happens mostly close to home. Half the households in 90265 have incomes above $196,742 a year, so check whether the surcharge for higher earners applies to your Part B and Part D premiums. It is set from your tax return of two years earlier. If retiring or another life changing event has cut your income since then, you can ask Social Security to use your current income instead. The form is SSA-44. Nearly four in five homes here are owner occupied, and for many families the house is the largest thing they own. That makes long term care worth a conversation of its own: how care would be paid for, and how a home is treated under Medi-Cal's rules. If you left Malibu for good after the January 2025 fires, check whether your new address is outside your plan's service area. If it is, the move opens a Special Enrollment Period, and you can change plans without waiting for the fall enrollment window. Lara handles that paperwork.
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 Malibu
Goulson Insurance Services Inc. is an independent insurance agency, and our agents work as licensed brokers for Malibu 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.
Medicare, life and long term care in Malibu
Lara compares Medicare Advantage, Medicare Supplement and Part D plans for your address in 90265. She also handles life insurance, long term care and final expense coverage. After you enroll, she is still the one you call. She will phone your doctor's office in Santa Monica or the west Valley with you. She sorts out bills that came back wrong, and when a claim is denied, she gets the carrier on the line with you.
Call or text Lara at (818) 472-5484 to check any plan against your doctors and hospital.
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Nearby Neighborhoods
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