Medicare, explained for Texans
How many Medicare Advantage plans are available where you live, how many have a $0 premium, and where to compare.
Texas statewide, 2027
Laredo sits right on the Rio Grande, and for many families care, shopping, and relatives cross the bridge both ways. Here's what the 2027 Medicare numbers show for Webb County, and what border life means for your coverage.
Waco sits in the middle of the I-35 corridor and serves as the medical hub for much of the Heart of Texas. Here's what the 2027 Medicare numbers show for McLennan County and what to check before Dec. 7.
Bell County is home to Fort Hood, a big military retiree community, and Temple's large medical centers. Here's what the 2027 Medicare numbers show and what to check before Dec. 7.
Lubbock is where much of the South Plains goes for specialists and hospital care. Here's what the 2027 Medicare numbers show, and what to check if you drive in from a small town.
Montgomery County is one of the fastest-changing places in Texas, and many residents drive into Harris County for care. Here's what the 2027 plan numbers show.
On the island or the mainland, Galveston County residents juggle Houston-area networks and hurricane season. Here's what the 2027 plan numbers show and how to prepare.
Corpus Christi has fewer Medicare insurers than Texas's big metros, so each plan's network matters more. Here's what the 2027 numbers show.
Many Brazoria County residents see doctors in Houston. Here's what the 2027 numbers show and what to check before you choose a plan.
Hays County is growing fast, and many new arrivals bring Medicare plans from somewhere else. Here's how the 2027 options look.
Many Williamson County residents see doctors on both sides of the Travis County line. Here's what the 2027 numbers show and what to check before you pick a plan.
At the southern tip of Texas, many Cameron County residents have both Medicare and Medicaid, and many prefer help in Spanish. Here's what the 2027 numbers show and where to start.
Houston's Medicare market is large and busy. Here's what the 2027 numbers show, how to think about networks near the Texas Medical Center, and how to plan for storm season.
Dallas County is home to several large hospital systems, and plan networks don't all include the same ones. Here's how to read the 2027 numbers and compare.
Tarrant County has its own plan list, separate from Dallas. If you live in Fort Worth or Arlington but see doctors across the Metroplex, here's what to check.
San Antonio is Military City USA, and many retirees here have TRICARE For Life. Here's how 2027 Medicare choices work in Bexar County, for veterans and everyone else.
Lots of people are new to Austin, and some arrive with Medicare from another state. Here's how 2027 plan choices work in Travis County and what to do if you just moved.
Collin County's suburbs keep growing, and so does the number of residents turning 65. Here's what the 2027 Medicare numbers show and how to compare plans.
Denton County stretches from busy suburbs to quiet ranch land. Here's what the 2027 Medicare numbers show and how to make sure a plan fits where you actually live.
El Paso sits where Texas, New Mexico and Mexico meet. That shapes Medicare choices here more than almost anywhere. Here's what the 2027 numbers show and what to ask.
In the Rio Grande Valley, many people have both Medicare and Medicaid, and many prefer help in Spanish. Here's what Hidalgo County's 2027 numbers show and where to start.
Fort Bend families speak many languages, and the county sits along the Brazos River. Here's what the 2027 Medicare numbers show and how to get help in your language.
| County | Advantage plans | $0 premium | Insurers | Lowest out-of-pocket max | Plans for Medicare + Medicaid |
|---|---|---|---|---|---|
| Anderson | 21 | 15 | 4 | $4,250 | 18 |
| Andrews | 10 | 5 | 2 | $6,000 | 10 |
| Angelina | 19 | 15 | 3 | $4,000 | 13 |
| Aransas | 26 | 17 | 4 | $3,300 | 18 |
| Archer | 10 | 5 | 3 | $6,000 | 10 |
| Armstrong | 15 | 9 | 3 | $3,400 | 9 |
| Atascosa | 39 | 29 | 8 | $3,400 | 23 |
| Austin | 23 | 18 | 6 | $3,400 | 19 |
| Bailey | 8 | 5 | 4 | $3,400 | 9 |
| Bandera | 39 | 29 | 8 | $3,400 | 23 |
| Bastrop | 25 | 15 | 5 | $4,500 | 11 |
| Baylor | 8 | 4 | 3 | $6,000 | 10 |
| Bee | 25 | 16 | 3 | $3,400 | 17 |
| Bell | 21 | 11 | 4 | $4,500 | 12 |
| Bexar | 48 | 37 | 11 | $2,800 | 25 |
| Blanco | 30 | 19 | 6 | $3,400 | 14 |
| Borden | 6 | 3 | 3 | $3,400 | 9 |
| Bosque | 22 | 10 | 4 | $3,900 | 11 |
| Bowie | 15 | 12 | 3 | $4,400 | 11 |
| Brazoria | 35 | 30 | 5 | $3,600 | 19 |
| Brazos | 19 | 9 | 4 | $4,500 | 9 |
| Brewster | 4 | 1 | 2 | $6,000 | 4 |
| Briscoe | 7 | 4 | 4 | $3,400 | 6 |
| Brooks | 17 | 11 | 4 | $3,000 | 15 |
| Brown | 7 | 3 | 2 | $6,000 | 7 |
| Burleson | 20 | 10 | 5 | $3,650 | 12 |
| Burnet | 26 | 14 | 6 | $4,500 | 18 |
| Caldwell | 31 | 21 | 7 | $3,900 | 16 |
| Calhoun | 14 | 11 | 3 | $4,450 | 12 |
| Callahan | 10 | 4 | 3 | $6,000 | 7 |
| Cameron | 34 | 25 | 5 | $3,000 | 21 |
| Camp | 11 | 5 | 2 | $6,000 | 9 |
| Carson | 13 | 7 | 3 | $6,000 | 14 |
| Cass | 18 | 15 | 4 | $4,400 | 14 |
| Castro | 8 | 5 | 4 | $3,400 | 9 |
| Chambers | 29 | 24 | 8 | $2,900 | 19 |
| Cherokee | 17 | 9 | 3 | $4,900 | 11 |
| Childress | 4 | 1 | 2 | $6,000 | 4 |
| Clay | 11 | 6 | 4 | $6,000 | 11 |
| Cochran | 5 | 2 | 3 | $6,000 | 9 |
| Coke | 9 | 4 | 2 | $6,000 | 6 |
| Coleman | 10 | 4 | 3 | $6,000 | 7 |
| Collin | 40 | 28 | 8 | $2,399 | 22 |
| Collingsworth | 4 | 1 | 2 | $6,000 | 4 |
| Colorado | 18 | 9 | 5 | $3,650 | 10 |
| Comal | 41 | 30 | 9 | $2,800 | 25 |
| Comanche | 8 | 4 | 3 | $6,000 | 8 |
| Concho | 9 | 4 | 3 | $6,000 | 7 |
| Cooke | 31 | 21 | 5 | $3,000 | 16 |
| Coryell | 24 | 13 | 4 | $3,900 | 13 |
| Cottle | 4 | 1 | 2 | $6,000 | 7 |
| Crane | 5 | 2 | 3 | $6,000 | 8 |
| Crockett | 5 | 2 | 3 | $6,000 | 7 |
| Crosby | 15 | 10 | 5 | $3,400 | 13 |
| Culberson | 4 | 1 | 2 | $6,000 | 7 |
| Dallam | 5 | 2 | 3 | $6,000 | 8 |
| Dallas | 42 | 29 | 8 | $2,399 | 20 |
| Dawson | 10 | 4 | 2 | $6,000 | 11 |
| Deaf Smith | 16 | 10 | 4 | $3,000 | 15 |
| Delta | 18 | 13 | 3 | $4,400 | 11 |
| Denton | 32 | 24 | 7 | $2,399 | 17 |
| DeWitt | 14 | 9 | 3 | $3,400 | 6 |
| Dickens | 9 | 4 | 3 | $6,000 | 6 |
| Dimmit | 15 | 8 | 3 | $3,900 | 12 |
| Donley | 4 | 1 | 2 | $6,000 | 6 |
| Duval | 14 | 8 | 3 | $3,900 | 12 |
| Eastland | 17 | 11 | 3 | $3,900 | 10 |
| Ector | 18 | 12 | 4 | $3,400 | 12 |
| Edwards | 13 | 6 | 4 | $6,000 | 12 |
| El Paso | 42 | 34 | 9 | $2,950 | 28 |
| Ellis | 32 | 21 | 5 | $3,400 | 18 |
| Erath | 22 | 11 | 4 | $3,900 | 11 |
| Falls | 22 | 11 | 5 | $4,500 | 13 |
| Fannin | 26 | 20 | 4 | $3,000 | 13 |
| Fayette | 24 | 15 | 6 | $3,650 | 14 |
| Fisher | 6 | 3 | 3 | $3,400 | 8 |
| Floyd | 10 | 7 | 5 | $3,400 | 13 |
| Foard | 4 | 1 | 2 | $6,000 | 4 |
| Fort Bend | 40 | 35 | 9 | $1,599 | 24 |
| Franklin | 14 | 9 | 3 | $5,750 | 11 |
| Freestone | 23 | 11 | 5 | $4,250 | 12 |
| Frio | 23 | 14 | 5 | $3,900 | 16 |
| Gaines | 4 | 1 | 2 | $6,000 | 4 |
| Galveston | 33 | 27 | 6 | $3,600 | 19 |
| Garza | 14 | 9 | 5 | $3,400 | 13 |
| Gillespie | 26 | 14 | 4 | $4,500 | 9 |
| Glasscock | 6 | 3 | 3 | $3,400 | 6 |
| Goliad | 17 | 12 | 4 | $4,450 | 15 |
| Gonzales | 28 | 17 | 7 | $3,400 | 16 |
| Gray | 15 | 9 | 4 | $3,000 | 11 |
| Grayson | 30 | 21 | 5 | $3,000 | 17 |
| Gregg | 25 | 19 | 4 | $4,250 | 18 |
| Grimes | 25 | 14 | 6 | $3,650 | 14 |
| Guadalupe | 40 | 30 | 8 | $3,400 | 24 |
| Hale | 15 | 11 | 4 | $4,450 | 13 |
| Hall | 8 | 3 | 2 | $6,000 | 7 |
| Hamilton | 23 | 11 | 4 | $3,900 | 10 |
| Hansford | 5 | 2 | 3 | $6,000 | 11 |
| Hardeman | 4 | 1 | 2 | $6,000 | 4 |
| Hardin | 35 | 29 | 7 | $3,400 | 20 |
| Harris | 49 | 41 | 10 | $1,500 | 23 |
| Harrison | 27 | 21 | 5 | $4,250 | 16 |
| Hartley | 9 | 4 | 3 | $6,000 | 8 |
| Haskell | 8 | 4 | 3 | $6,000 | 7 |
| Hays | 31 | 23 | 6 | $3,900 | 15 |
| Hemphill | 4 | 1 | 2 | $6,000 | 4 |
| Henderson | 19 | 13 | 3 | $4,250 | 11 |
| Hidalgo | 35 | 26 | 6 | $3,000 | 20 |
| Hill | 25 | 13 | 4 | $4,500 | 11 |
| Hockley | 14 | 9 | 5 | $3,400 | 13 |
| Hood | 26 | 18 | 5 | $3,400 | 16 |
| Hopkins | 13 | 8 | 2 | $4,900 | 9 |
| Houston | 15 | 10 | 4 | $4,900 | 12 |
| Howard | 15 | 8 | 3 | $6,000 | 11 |
| Hudspeth | 22 | 15 | 7 | $2,950 | 17 |
| Hunt | 19 | 12 | 4 | $3,900 | 15 |
| Hutchinson | 10 | 5 | 3 | $6,000 | 14 |
| Irion | 8 | 3 | 2 | $6,000 | 6 |
| Jack | 15 | 9 | 3 | $3,900 | 9 |
| Jackson | 12 | 7 | 4 | $3,400 | 12 |
| Jasper | 21 | 16 | 6 | $4,000 | 17 |
| Jeff Davis | 4 | 1 | 2 | $6,000 | 7 |
| Jefferson | 38 | 30 | 7 | $3,400 | 21 |
| Jim Hogg | 17 | 11 | 4 | $3,000 | 14 |
| Jim Wells | 25 | 16 | 3 | $3,400 | 17 |
| Johnson | 38 | 27 | 7 | $3,700 | 22 |
| Jones | 10 | 5 | 3 | $6,000 | 10 |
| Karnes | 19 | 13 | 4 | $3,900 | 15 |
| Kaufman | 22 | 13 | 2 | $3,700 | 15 |
| Kendall | 39 | 29 | 7 | $3,400 | 23 |
| Kenedy | 8 | 4 | 3 | $6,000 | 13 |
| Kent | 6 | 3 | 3 | $3,400 | 6 |
| Kerr | 17 | 11 | 4 | $3,900 | 16 |
| Kimble | 4 | 1 | 2 | $6,000 | 6 |
| King | 4 | 1 | 2 | $6,000 | 7 |
| Kinney | 11 | 5 | 4 | $6,000 | 12 |
| Kleberg | 25 | 16 | 3 | $3,400 | 17 |
| Knox | 5 | 2 | 3 | $6,000 | 7 |
| La Salle | 18 | 13 | 6 | $3,400 | 15 |
| Lamar | 14 | 11 | 3 | $4,400 | 12 |
| Lamb | 14 | 9 | 5 | $3,400 | 13 |
| Lampasas | 29 | 17 | 6 | $3,900 | 18 |
| Lavaca | 12 | 7 | 4 | $3,400 | 13 |
| Lee | 25 | 15 | 7 | $4,500 | 15 |
| Leon | 22 | 11 | 5 | $4,250 | 15 |
| Liberty | 38 | 32 | 8 | $2,900 | 21 |
| Limestone | 17 | 6 | 4 | $4,500 | 10 |
| Lipscomb | 4 | 1 | 2 | $6,000 | 4 |
| Live Oak | 14 | 9 | 3 | $4,450 | 9 |
| Llano | 29 | 19 | 5 | $4,500 | 13 |
| Loving | 4 | 1 | 2 | $6,000 | 7 |
| Lubbock | 20 | 14 | 5 | $3,400 | 13 |
| Lynn | 16 | 11 | 5 | $3,400 | 13 |
| Madison | 21 | 9 | 5 | $4,500 | 13 |
| Marion | 15 | 9 | 4 | $5,750 | 12 |
| Martin | 12 | 6 | 3 | $3,400 | 9 |
| Mason | 10 | 7 | 4 | $5,400 | 8 |
| Matagorda | 16 | 12 | 5 | $3,650 | 15 |
| Maverick | 20 | 11 | 3 | $3,900 | 11 |
| McCulloch | 7 | 3 | 2 | $6,000 | 6 |
| McLennan | 25 | 11 | 4 | $4,500 | 12 |
| McMullen | 11 | 6 | 4 | $3,900 | 13 |
| Medina | 41 | 31 | 8 | $3,400 | 23 |
| Menard | 5 | 2 | 3 | $6,000 | 8 |
| Midland | 17 | 10 | 4 | $4,900 | 14 |
| Milam | 30 | 20 | 6 | $3,400 | 15 |
| Mills | 25 | 14 | 5 | $3,900 | 12 |
| Mitchell | 4 | 1 | 2 | $6,000 | 6 |
| Montague | 25 | 16 | 4 | $3,700 | 15 |
| Montgomery | 43 | 37 | 9 | $1,599 | 23 |
| Moore | 13 | 9 | 4 | $3,000 | 12 |
| Morris | 14 | 8 | 4 | $5,750 | 12 |
| Motley | 6 | 3 | 4 | $6,000 | 8 |
| Nacogdoches | 22 | 17 | 4 | $4,000 | 17 |
| Navarro | 33 | 17 | 5 | $3,700 | 18 |
| Newton | 11 | 5 | 4 | $3,500 | 13 |
| Nolan | 11 | 7 | 3 | $3,400 | 8 |
| Nueces | 31 | 21 | 4 | $3,300 | 18 |
| Ochiltree | 4 | 1 | 2 | $6,000 | 4 |
| Oldham | 5 | 2 | 3 | $6,000 | 8 |
| Orange | 29 | 24 | 6 | $3,400 | 19 |
| Palo Pinto | 17 | 11 | 3 | $3,900 | 9 |
| Panola | 18 | 10 | 4 | $4,900 | 12 |
| Parker | 34 | 24 | 6 | $3,400 | 18 |
| Parmer | 4 | 1 | 2 | $6,000 | 4 |
| Pecos | 8 | 4 | 2 | $6,000 | 7 |
| Polk | 25 | 19 | 6 | $3,500 | 18 |
| Potter | 24 | 17 | 5 | $3,000 | 14 |
| Presidio | 5 | 2 | 2 | $6,000 | 4 |
| Rains | 14 | 9 | 4 | $4,900 | 13 |
| Randall | 24 | 17 | 5 | $3,000 | 12 |
| Reagan | 5 | 2 | 3 | $6,000 | 8 |
| Real | 20 | 12 | 6 | $3,400 | 12 |
| Red River | 14 | 11 | 3 | $4,400 | 12 |
| Reeves | 7 | 3 | 2 | $6,000 | 7 |
| Refugio | 15 | 12 | 3 | $4,450 | 15 |
| Roberts | 5 | 2 | 3 | $6,000 | 11 |
| Robertson | 21 | 10 | 5 | $4,500 | 13 |
| Rockwall | 33 | 22 | 6 | $3,400 | 20 |
| Runnels | 8 | 4 | 3 | $6,000 | 7 |
| Rusk | 25 | 19 | 5 | $4,250 | 19 |
| Sabine | 10 | 4 | 2 | $6,000 | 6 |
| San Augustine | 13 | 7 | 3 | $4,900 | 10 |
| San Jacinto | 35 | 29 | 7 | $3,500 | 22 |
| San Patricio | 20 | 12 | 2 | $3,400 | 16 |
| San Saba | 22 | 11 | 5 | $4,500 | 12 |
| Schleicher | 8 | 4 | 3 | $6,000 | 7 |
| Scurry | 4 | 1 | 2 | $6,000 | 4 |
| Shackelford | 12 | 6 | 3 | $3,400 | 6 |
| Shelby | 14 | 8 | 2 | $4,900 | 6 |
| Sherman | 5 | 2 | 3 | $6,000 | 8 |
| Smith | 25 | 19 | 4 | $4,250 | 16 |
| Somervell | 25 | 12 | 4 | $3,900 | 11 |
| Starr | 22 | 15 | 4 | $3,000 | 14 |
| Stephens | 9 | 4 | 3 | $6,000 | 7 |
| Sterling | 6 | 3 | 3 | $3,400 | 6 |
| Stonewall | 5 | 2 | 3 | $6,000 | 7 |
| Sutton | 5 | 2 | 3 | $6,000 | 7 |
| Swisher | 10 | 7 | 5 | $3,400 | 13 |
| Tarrant | 40 | 28 | 8 | $2,399 | 22 |
| Taylor | 10 | 6 | 3 | $6,000 | 7 |
| Terrell | 4 | 1 | 2 | $6,000 | 4 |
| Terry | 14 | 9 | 5 | $3,400 | 13 |
| Throckmorton | 11 | 6 | 4 | $3,400 | 6 |
| Titus | 14 | 11 | 3 | $4,400 | 15 |
| Tom Green | 13 | 10 | 4 | $4,900 | 14 |
| Travis | 28 | 20 | 5 | $3,900 | 14 |
| Trinity | 15 | 11 | 3 | $4,900 | 8 |
| Tyler | 26 | 20 | 5 | $4,000 | 17 |
| Upshur | 24 | 19 | 5 | $4,250 | 20 |
| Upton | 5 | 2 | 3 | $6,000 | 8 |
| Uvalde | 19 | 11 | 4 | $3,400 | 12 |
| Val Verde | 15 | 8 | 3 | $3,900 | 8 |
| Van Zandt | 32 | 25 | 6 | $3,900 | 22 |
| Victoria | 20 | 15 | 3 | $4,450 | 12 |
| Walker | 27 | 21 | 6 | $3,400 | 18 |
| Waller | 25 | 20 | 7 | $3,400 | 20 |
| Ward | 7 | 3 | 2 | $6,000 | 7 |
| Washington | 27 | 16 | 6 | $3,400 | 13 |
| Webb | 28 | 20 | 5 | $3,000 | 15 |
| Wharton | 24 | 19 | 6 | $3,500 | 19 |
| Wheeler | 5 | 2 | 3 | $6,000 | 7 |
| Wichita | 8 | 4 | 2 | $6,000 | 7 |
| Wilbarger | 8 | 3 | 2 | $6,000 | 4 |
| Willacy | 34 | 26 | 5 | $3,000 | 19 |
| Williamson | 35 | 22 | 7 | $3,900 | 15 |
| Wilson | 40 | 30 | 8 | $3,400 | 23 |
| Winkler | 4 | 1 | 2 | $6,000 | 7 |
| Wise | 33 | 23 | 6 | $3,400 | 20 |
| Wood | 21 | 14 | 4 | $4,900 | 15 |
| Yoakum | 5 | 2 | 3 | $6,000 | 8 |
| Young | 7 | 3 | 2 | $6,000 | 7 |
| Zapata | 19 | 13 | 4 | $3,000 | 13 |
| Zavala | 21 | 13 | 5 | $3,400 | 9 |
Source: CMS 2027 Medicare Advantage and Part D landscape files and CMS 2027 state fact sheet. County counts include Advantage plans open to general enrollment; special needs plans are counted separately. Plan availability can vary by ZIP code. Compare every plan at Medicare.gov.