Medicare Advantage Plans in Texas 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Texas is the second-largest Medicare Advantage market in the country by total enrollment. Houston, Dallas-Fort Worth, and San Antonio all have very competitive markets with 40 or more plans available annually. Rural West Texas and the Panhandle are a different story, with some counties offering only one or two plans.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Texas.
Rural Coverage Note
Parts of Texas have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Texas Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Texas
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Texas
Texas is a large Medigap market with strong competition from both national carriers and regional plans. Residents in rural parts of the state often rely on Medigap for predictable access to care outside the urban hospital networks.