What you'll learn
- Collin County has 40 Medicare Advantage plans for 2027, from 8 insurance companies.
- 28 plans have a $0 monthly premium, and out-of-pocket maximums range from $2,399 to $9,850.
- Many residents are leaving employer coverage. Timing your switch to Medicare matters.
- The North Central Texas Area Agency on Aging serves Collin County: 800-272-3921.
Collin County, 2027 at a glance
Source: CMS 2027 Medicare Advantage and Part D landscape files. Counts include plans open to general enrollment; availability can vary by ZIP code. Compare all plans at Medicare.gov.
Collin County has grown from farm towns into some of the busiest suburbs in Texas. Plano, Frisco, McKinney, Allen, and Wylie are full of people who built careers here and are now approaching 65. For many of them, Medicare is the first time they've had to choose health coverage without an employer's benefits team.
Collin County's 2027 numbers
CMS's 2027 data shows 40 Medicare Advantage plans in Collin County, offered by 8 insurance companies. 32 include drug coverage, and 28 have a $0 monthly plan premium.
In-network out-of-pocket maximums range from $2,399 to $9,850. For people who prefer Original Medicare, there are 10 stand-alone Part D plans, starting at $5.30 a month.
Leaving employer coverage
If you're retiring from a job with good group insurance, Medicare can feel like a big change. A few things to keep straight:
- Timing. If you or your spouse are still working and covered by a current employer plan, you may be able to delay Part B. See delaying Part B while still working. Missing the right window can lead to a late enrollment penalty.
- Higher incomes. Some Collin County retirees pay more for Part B and Part D because of income-related adjustments. If your income dropped after retirement, read about appealing IRMAA.
- Plan style. Group plans are often PPOs with broad networks. Many Medicare Advantage plans are HMOs, and Medicare notes that most HMOs require referrals to see specialists. Make sure you know which kind you're choosing.
Suburban care, regional networks
Collin County has added hospitals, clinics, and specialty centers as it has grown, and many residents also see doctors in Dallas County. Confirm that the doctors you use, in Collin and elsewhere, are in network for 2027. Plans are approved by county, so a friend in Denton or Dallas County may have different choices.
Special needs plans
Collin County has 22 Dual Special Needs Plans for people with Medicare and Texas Medicaid, 12 chronic condition plans, and 7 institutional plans.
Key dates
| Date | What happens |
|---|---|
| Oct. 15 – Dec. 7, 2026 | Annual Enrollment Period: change plans for 2027 |
| Jan. 1, 2027 | New plan coverage starts |
| Jan. 1 – Mar. 31, 2027 | One plan change if you're already in Medicare Advantage |
New to Medicare? Start with how to sign up for Parts A and B in Texas.
Free local help
The Texas Health Information, Counseling and Advocacy Program (HICAP) offers free, unbiased Medicare counseling at 1-800-252-9240. In Collin County, you can also call the North Central Texas Area Agency on Aging at 800-272-3921.
Compare every plan for your ZIP code on the Medicare.gov Plan Finder or by calling 1-800-MEDICARE.
Common questions
How many Medicare Advantage plans are in Collin County for 2027?
CMS data shows 40 Medicare Advantage plans open to general enrollment in Collin County for 2027, plus special needs plans for people with Medicaid, certain chronic conditions, or who live in a nursing home.
I'm still working past 65. Do I need to pick a plan now?
Not necessarily. If you have coverage through your own or your spouse's current job, you may be able to delay Part B without a penalty. Rules depend on employer size and coverage type, so read our guide to delaying Part B while still working and confirm with your employer's benefits office.
Where can I get free Medicare help in Collin County?
Call the Texas Health Information, Counseling and Advocacy Program (HICAP) at 1-800-252-9240. The North Central Texas Area Agency on Aging is at 800-272-3921.
Sources
- CMS: 2027 Medicare Advantage and Part D state-by-state fact sheets
- CMS: Medicare Advantage and Part D landscape files
- Medicare.gov: Plan Finder
- Medicare.gov: Compare Original Medicare and Medicare Advantage
- Medicare.gov: Health Maintenance Organizations (HMOs)
- Texas HHS: Medicare counseling (HICAP)
- Texas HHS: Area Agencies on Aging directory
