Medicare in Texas — 2026 Plan Overview
Texas has approximately 4,500,000 Medicare beneficiaries. Medicare Advantage penetration is 45% (national average is 40%). The state's Medicare Advantage plans average 3.9 stars (#43 of 51) with an average monthly premium of $18 (#17 of 51 cheapest).
Top Medicare Advantage Insurers in Texas
These insurers represent the largest market share for Medicare Advantage plans in Texas. Plan availability, benefits, and networks vary by county — a plan available in Austin may not be offered in rural areas. Star ratings and plan availability change annually. Compare specific plans using the official Medicare Plan Finder during Open Enrollment (October 15 – December 7).
What This Means for Texas Enrollees
Medicare Advantage adoption in Texas is moderate — around half of beneficiaries stick with Original Medicare, often paired with Medigap. If provider choice matters more to you than lower premiums, Original Medicare + Medigap remains a mainstream option in Texas.
Texas's Medicare Advantage plans score close to the national average on CMS star ratings. Look for individual plans with 4+ stars — several exist within the state.
Common Medicare Questions — Texas
When can I enroll in Medicare in Texas?
Your Initial Enrollment Period is a 7-month window around your 65th birthday (3 months before, your birthday month, and 3 months after). Missing this creates permanent late-enrollment penalties. If already enrolled, Annual Open Enrollment (Oct 15–Dec 7) lets you change plans; Medicare Advantage Open Enrollment (Jan 1–Mar 31) lets you switch MA plans or return to Original Medicare. See our enrollment guide.
Should I choose Medicare Advantage or Original Medicare + Medigap in Texas?
Depends on trade-offs. MA plans have lower average premiums and often bundle dental/vision/hearing. Original Medicare + Medigap costs more per month but gives you access to any doctor nationwide who accepts Medicare. In Texas specifically, MA penetration is 45% — telling you what most residents pick. See our side-by-side comparison.
How do I avoid Medicare scams during Open Enrollment?
Aggressive sales calls spike during Oct–Dec. Medicare never calls you unsolicited. Only comparison tool you should trust is medicare.gov Plan Finder. For free neutral counseling, use Texas's SHIP program at 1-800-252-9240. Report scam calls to 1-800-MEDICARE.
Does Texas help low-income seniors with Medicare costs?
Yes. Texas participates in the federal Medicare Savings Programs (MSP), which help pay Part B premiums for eligible lower-income seniors. Extra Help (LIS) also reduces Part D drug costs. Apply through your state Medicaid office or SSA (1-800-772-1213).
What if my doctor isn't in the Medicare Advantage plan network in Texas?
Under HMO plans, you'd generally need to switch doctors or switch plans (either at next Open Enrollment or a Special Enrollment Period if you qualify). Under PPO plans, you can typically see out-of-network providers at higher cost. Before enrolling, always call your doctor's office directly to confirm they're in-network for that specific plan in the current year.
Get Free Neutral Help
Aggressive Medicare Advantage sales calls are common — especially during Open Enrollment. Agents often earn higher commissions on plans that aren't the best fit for you. Free, neutral counseling is available in every state:
- • Texas SHIP: 1-800-252-9240 — free 1-on-1 help from state-certified counselors (no commissions)
- • Medicare.gov Plan Finder — official comparison tool at medicare.gov/plan-compare
- • Medicare hotline: 1-800-MEDICARE (1-800-633-4227)
Compare Similar South States
Same region as Texas, ranked by Medicare Advantage star rating:
Also for Texas Seniors
Medicare data updated annually in October at start of Open Enrollment. We do not receive commissions from insurers or brokers. See our methodology for scoring details.