Florida’s The Villages has gotten so big that it’s reasonable to say that if your parents don’t live there, they probably know someone who does.
A Central Florida 55+ retirement community, The Villages has been one of the fastest-growing communities for multiple years.
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It’s a relatively affordable community, even with Florida’s rising prices, at least partly because it’s very central and not near the beach. That’s also good for keeping insurance costs down.
The Villages calls itself “Florida’s Friendliest Hometown,” and its reputation has suggested that many residents in the conservative-leaning community have a liberal definition of “friendly.”
“We are a 55+ community, perfectly located in sunny central Florida, where you can strive each day to lead an active, meaningful and happy life. Our vision was to create a community with the ideal backdrop for you to write the next chapter of your story, a place where you can grow, learn new things, and spend more time doing the things you love surrounded by friends who are more like family,” the company shared on its website.
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The Villages has gained a reputation as a place where seniors move to hook up. It has been called the “STD Capital of the World,” a reputation that’s not actually borne out with statistics.
While it may not be the 55+ Las Vegas, The Villages does have its own very unique medical needs, as it’s a somewhat isolated community that has to care for an older population.
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The Villages Health files for Chapter 11 bankruptcy protection
Operating a health care business in The Villages presents some special challenges. Aside from one small housing development for support staff, everyone who lives in the community is 55 or older.
That means that the medical needs per person exceed the typical demands in a mixed-age community.
Villages Health markets itself as “Care that fits your life.”
The company shares a deeper description on its website:
“At The Villages Health, we make staying healthy easier with same-day appointments, longer doctor visits, and a care team that truly knows you. From prevention to healing, our goal is simple: to keep you well and doing what you love,” it added.
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And sure, “doing what you love” might include activities that spread STDs, but that’s a minor area of coverage offered by the caregiver.
Now, The Villages Health (TVH) has filed Chapter 11 bankruptcy because it owes Medicare hundreds of millions of dollars.
In addition, the company has between 200-999 creditors, including various health care vendors and service providers such as Starkey Laboratories, Olympus America, and Boston Scientific Corporation.
Villages Health files Chapter 11 bankruptcy
The Villages Health System, LLC, a health care provider operating in The Villages, Florida, filed for Chapter 11 bankruptcy protection on July 3, 2025, in the United States Bankruptcy Court for the Middle District of Florida.
“The bankruptcy petition indicates significant financial challenges, with assets estimated between $50 million and $100 million and liabilities between $100 million and $500 million. The United States of America is listed as the largest creditor with a contingent, unliquidated claim of approximately $361 million. The filing indicates that funds will be available for distribution to unsecured creditors,” RK Consultants reported on X, the former Twitter.
The company shared a message from its CEO Bob Trunh to all members. In the letter, he assured members that TVH was not going away.
“We are still the same doctors, clinicians, and care teams caring for our patients,” he wrote.
TVH, he shared, is being sold to CenterWell, which is owned by Humana. That transaction requires court approval.
“This will allow the health care system which has been providing amazing care to our patients for all these years, to continue on in the hands of a national health care services organization that has the resources and expertise to grow The Villages Health, and to enhance patient care,” Trinh wrote.
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The CEO tried his best to reassure members that their health care will be preserved and uninterrupted.
“This legal process aims to preserve TVH as a highly effective health care system while putting it in the hands of a large national organization with the resources and expertise to grow and enhance the patient care experience,” he added.