Medicare Plans in Waco and McLennan County for 2027

Waco is the kind of place people drive to. Folks from Hill, Bosque, Falls, Limestone, and Freestone counties come into town for doctors, hospitals, and pharmacies, and plenty of Waco residents head up or down I-35 to Dallas, Austin, or Temple when they need a specialist. That back-and-forth is the most important thing to keep in mind as you look at your Medicare choices for 2027.

McLennan County itself mixes city and country: Waco, Hewitt, Woodway, Robinson, and Bellmead in the middle, with towns like McGregor, Lorena, Mart, and West surrounded by farmland.

McLennan County's 2027 options

CMS's 2027 plan data shows 25 Medicare Advantage plans in McLennan County, offered by 4 insurance companies. 11 have a $0 monthly premium, and 17 include Part D drug coverage.

Yearly out-of-pocket limits range from $4,500 to $9,850. That spread is wide. A plan with a $0 premium but a high limit can end up costing more in a year with a surgery or a hospital stay, so look at both numbers side by side.

With 4 companies in the market, the real differences often come down to networks. Some plans may lean heavily on Waco doctors and hospitals. Others may reach farther. Neither is better for everyone. It depends on where you actually get care.

If your doctors are up or down I-35

This is where Waco-area residents can get tripped up. A plan can look great on premium and still leave out the cardiologist you see in Dallas or the cancer center you use in Temple.

Before you switch, write down:

• Every doctor and specialist you see, and the city they're in
• The hospital you'd want to use, in Waco and anywhere else
• Your pharmacy
• Your prescriptions and doses

Then check each one by name in the Medicare.gov Plan Finder, and call the doctor's office to confirm. If you'd rather keep the freedom to see any doctor who takes Medicare, our guide to Medicare Advantage vs. Original Medicare in Texas explains that trade-off, and our Medigap guide for Texas covers supplement policies.

Live outside McLennan County?

Medicare Advantage plans are set by the county you live in. If you live in one of the surrounding counties and drive into Waco for care, compare the plans offered where you live, not the McLennan County list. Your neighbors to the south can see the numbers for Bell County, and every Texas county is on our Medicare plans by county page.

If you have Medicare and Medicaid

McLennan County has 12 Dual Special Needs Plans for people who qualify for both programs, plus 2 plans for certain chronic conditions and 5 for people who live in a nursing home. If money is tight, see our guides to help paying for Part B in Texas and how Medicare and Medicaid work together in Texas.

For drug coverage only, there are 10 stand-alone Part D plans in Texas for 2027, with premiums starting at $5.30 a month. Our 2027 Part D guide has more.

Our guide to the Annual Notice of Change shows what to look for.

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-time switch if you're in Medicare Advantage

For more on the fall deadline, see our 2027 annual enrollment guide for Texas.

Free local help

The Heart of Texas Area Agency on Aging in Waco (254-292-1800) serves Bosque, Falls, Freestone, Hill, Limestone, and McLennan counties. For free, unbiased Medicare counseling, call HICAP at 1-800-252-9240. You can also call 1-800-MEDICARE or compare every plan for your ZIP code on Medicare.gov.