Median age 33.5 in Wilmington, 41.2 in Harbor City
Wilmington's ZIP code, 90744, has 52,800 people and a median age of 33.5. Of those, 6,069 are 65 or older, or 11.5 percent. Harbor City's 90710 is about half the size, with 26,761 people and a median age of 41.2. There, 4,896 are 65 or older, which is 18.3 percent. Together the two ZIP codes have 10,965 people of Medicare age out of 79,561, or 13.8 percent. For Los Angeles County as a whole, the share is 15.2 percent. These are 2020 to 2024 American Community Survey estimates, and we totaled the survey's age groups ourselves for the 65 and older counts. Nearly three in four people in Wilmington speak Spanish at home, 72.9 percent of those 5 and older, and 23.6 percent speak only English. In Harbor City, 37.1 percent speak Spanish at home, 41.8 percent speak only English and 7.1 percent speak Korean. Lara can run the whole review in Spanish, enrollment included, and switch to English for a son or daughter on the same call. Korean is not one of her languages. If your family speaks it, ask the relative who usually helps with English to sit in.
The one hospital in either ZIP code is Kaiser's
Kaiser Foundation Hospital South Bay is at 25825 South Vermont Avenue in Harbor City and is licensed for 257 beds. Unless it is an emergency, you need a Kaiser plan to be treated there. If you are not with Kaiser, the general hospitals you would use are all outside both ZIP codes. To the south is Providence Little Company of Mary Medical Center San Pedro, at 1300 W 7th St, licensed for 158 beds. To the north are Harbor-UCLA Medical Center at 1000 W Carson St (415 beds), Torrance Memorial Medical Center at 3330 Lomita Blvd (548 beds) and Providence Little Company of Mary Medical Center Torrance at 4101 Torrance Blvd (332 beds). The bed counts are the licensed totals in California's state records, checked in September 2026. Those five hospitals belong to four systems: Kaiser, Providence, the county's Harbor-UCLA and Torrance Memorial. A Medicare Advantage plan reaches them through its contracted medical groups, so one plan may include Torrance Memorial and leave out Providence. The insurer's logo will not tell you which. A hospital in a plan's network one year can be gone the next, because those contracts are renegotiated. Lara starts with the hospital you would want, then your doctors and your pharmacy. She checks each one against every plan's current directory before you enroll, and again in the fall, once the plans publish what is changing.
What Lara asks before she compares plans
The first question is whether you are with Kaiser now, or want to be. Kaiser's Medicare Advantage plans keep you with Kaiser doctors and the hospital on Vermont Avenue. The other plans work through medical groups that admit to San Pedro, Harbor-UCLA or Torrance. Moving from one side to the other means changing all of your doctors at once, which is why it gets settled first. If you spent a career on the waterfront or in a union trade, you may reach 65 with retiree health coverage from that work, and Lara needs to see it. Some retiree plans keep paying and work alongside Medicare. Some stop. Many will not take you back if you leave them for a Medicare Advantage plan. Bring the plan's documents to the review, and Lara will go through them with you before you sign anything. Half the households in Wilmington live on less than $60,847 a year, and half in Harbor City on less than $82,478. A household figure does not tell Lara what your mother or father lives on, so she asks about income and savings. Extra Help lowers what you pay for Part D drugs when your income and resources are under its limits. If you also have Medi-Cal, a Dual Eligible Special Needs Plan may be open to you.
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 Wilmington and Harbor City
Goulson Insurance Services Inc. is an independent insurance agency, and our agents work as licensed brokers for Wilmington and Harbor City 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.
Coverage Lara handles in Wilmington and Harbor City
In 90744 and 90710, Lara compares Medicare Advantage, Medicare Supplement and Part D plans, and she stays on your side once the plan starts. She will call the plan with you about a denied claim, work out a bill that does not add up, or phone a doctor's office with you. Life insurance, long term care and final expense coverage are part of her work too, each in a separate conversation from your Medicare review.
With Kaiser or without, call or text Lara at (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.