Medicare Plans in Fort Bend County for 2027: Sugar Land, Missouri City, Katy and More

Fort Bend County, southwest of Houston, is home to families from many backgrounds, and plenty of households speak a language other than English at home. Some residents are helping aging parents through Medicare in a second language. The county also sits along the Brazos River, so flood season belongs in your planning too.

Fort Bend's 2027 numbers

CMS's 2027 data shows 40 Medicare Advantage plans in Fort Bend County from 9 insurance companies. 34 include drug coverage, and 35 have a $0 monthly plan premium.

In-network out-of-pocket maximums range from $1,599 to $9,850, and 17 plans carry an overall CMS rating of 4 stars or higher. If you keep Original Medicare, there are 10 stand-alone Part D plans, starting at $5.30 a month.

Getting help in your language

Medicare decisions are hard enough in your first language. You have options:

• 1-800-MEDICARE (1-800-633-4227): Medicare says you can ask for an interpreter 24 hours a day, 7 days a week.
• HICAP counselors and licensed agents: Ask up front whether someone can help in your language or arrange an interpreter.
• Family members: It's fine to have a relative on the call. Just make sure the person enrolling understands the plan and agrees to it.

Doctors in Fort Bend and Houston

Many Fort Bend residents see primary care doctors close to home in Sugar Land, Richmond, Rosenberg, or Missouri City, then travel into Harris County, including the Texas Medical Center, for specialists. Plans are approved by county, so your choices may differ from a friend's in Houston. Check every doctor and hospital you use, in both counties, by name in each plan's 2027 directory.

Brazos River flooding and storms

Heavy rain and Gulf storms can flood parts of Fort Bend. Build Medicare into your emergency plan:

• Keep your Medicare card, plan card, and a medication list in your go-bag.
• If you evacuate, Medicare says you can ask your drug plan about a 60- or 90-day supply.

Special needs plans

Fort Bend County has 24 Dual Special Needs Plans for people with both Medicare and Texas Medicaid, 12 chronic condition plans, and 7 institutional plans. If you need help with costs, see Part B premium help in Texas.

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

Just moved to Fort Bend to be near family? Read moving to Texas with Medicare.

Free local help

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

Compare every plan for your ZIP code on the Medicare.gov Plan Finder or by calling 1-800-MEDICARE.