Medicare Plans in Montgomery County for 2027: Conroe, The Woodlands, Magnolia

Montgomery County stretches from The Woodlands and Spring-area neighborhoods in the south up through Conroe, Magnolia, Willis, and the communities around Lake Conroe. Plenty of residents moved here from Houston or from out of state, and many still drive down I-45 or the Hardy Toll Road to see specialists. That makes networks the first thing to check when you compare Medicare plans.

What the 2027 numbers show

CMS's 2027 plan data shows 43 Medicare Advantage plans available to Montgomery County residents, offered by 9 insurance companies. Of those, 36 include Part D drug coverage, and 37 charge no monthly plan premium.

A $0 premium doesn't mean $0 costs. You still pay your Part B premium, plus copays and coinsurance when you get care. The number that protects you in a bad year is the out-of-pocket maximum, the most you'd pay for covered, in-network care. In Montgomery County it ranges from $1,599 to $9,850.

21 plans have an overall CMS quality rating of 4 stars or higher for 2027. Stars are a helpful signal, but they won't tell you whether your doctors are in the network.

If you'd rather keep Original Medicare, there are 10 stand-alone Part D drug plans here, with premiums starting at $5.30 a month.

Doctors in Montgomery County and Houston

Medicare explains that with an HMO you generally must get care from doctors and hospitals in the plan's network, except in emergencies, and many HMOs require a referral to see a specialist. For Montgomery County residents, a few checks go a long way:

• List every doctor you see, including specialists in Harris County. Confirm each one by name for 2027.
• Check the hospital you'd actually use. If your closest hospital is in Conroe or The Woodlands but your surgeon operates in Houston, look up both.
• If you live in the northern or eastern parts of the county, near Willis, Splendora, or New Caney, see which in-network providers are closest to you. A plan that works well near The Woodlands may mean a longer drive for you.

New to the county?

If you already have a Medicare Advantage or Part D plan and you moved here from outside your plan's service area, you may qualify for a Special Enrollment Period to choose a new plan. Our guide to moving to Texas on Medicare covers the steps.

Turning 65 soon? Start with turning 65 in Texas. If you want a Medigap policy, the best time to buy is usually your 6-month Medigap Open Enrollment Period, which starts the month you're 65 or older and signed up for Part B. Read more in our guide to Medigap in Texas.

Storms and flooding

Hurricanes and heavy rain can reach well inland, and parts of the county sit along the San Jacinto River and its creeks. Keep your Medicare card, plan card, and a current medication list in your go-bag.

If you have Medicare and Medicaid

Montgomery County has 23 Dual Special Needs Plans (D-SNPs) for people who have both Medicare and Texas Medicaid. There are also 7 plans for people with certain chronic conditions and 6 plans for people who live in a nursing home or similar facility. Our guide to Medicare and Medicaid in Texas explains how the two work together, and Part B premium help in Texas covers programs that may help with costs.

Key dates

Date	What happens
Oct. 15 – Dec. 7, 2026	Open Enrollment: 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

More on the winter window: Medicare Advantage Open Enrollment. For the county next door, see Houston and Harris County, or browse Medicare by county.

Free local help

The Texas Health Information, Counseling and Advocacy Program (HICAP) offers free, unbiased Medicare counseling at 1-800-252-9240. Montgomery County is served by the Houston-Galveston Area Agency on Aging at 713-627-3200.

You can compare every plan for your ZIP code on the Medicare.gov Plan Finder, or call 1-800-MEDICARE (1-800-633-4227).