Medicare Plans in Williamson County for 2027: Round Rock, Georgetown, Cedar Park

Williamson County takes in Round Rock, Georgetown, Cedar Park, Leander, Hutto, and Taylor, plus a lot of open country to the east. Many residents shop, work, and see doctors across the line in Austin. That makes one question especially important when you compare Medicare plans: does the plan cover the doctors you actually use, in both counties?

What the 2027 numbers show

According to CMS's 2027 plan data, Williamson County residents can choose from 35 Medicare Advantage plans offered by 7 insurance companies. Of those, 26 include Part D drug coverage, and 22 charge no monthly plan premium.

The out-of-pocket maximum is the most you'd pay in a year for covered, in-network care. In Williamson County it ranges from $3,900 to $9,850. That's a wide spread, and it can matter more than the premium if you have a surgery, a hospital stay, or ongoing treatment.

24 of those plans have an overall CMS quality rating of 4 stars or higher for 2027. Stars are one useful signal, but they don't tell you whether your own doctors are covered.

Prefer Original Medicare? There are 10 stand-alone Part D drug plans available, with premiums starting at $5.30 a month.

Networks on both sides of the county line

Medicare Advantage plans generally use a network of doctors and hospitals. Medicare notes that with an HMO you generally must get care from providers in the plan's network, and many HMOs require a referral from your primary care doctor to see a specialist.

For Williamson County, that means:

• List every provider you use, including specialists in Austin. Confirm each one by name for 2027, not just the clinic or hospital system.
• Think about where you'd go in an emergency or for surgery. If your nearest hospital is in Round Rock or Georgetown but your surgeon operates in Austin, check both.
• If you live in the eastern part of the county, around Taylor, Granger, or Thrall, look at which providers are closest to you. A network that's strong near I-35 may mean a longer drive for you.

New to the area?

Williamson County draws a lot of newcomers, including retirees moving closer to family. If you already have a Medicare Advantage or Part D plan and you move here from out of state, or 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 walks through the steps.

If you're turning 65 here, start with turning 65 in Texas. The best time to buy a Medigap policy, if you want one, is your 6-month Medigap Open Enrollment Period, which starts the month you're 65 or older and signed up for Part B.

If you have Medicare and Medicaid

Williamson County has 15 Dual Special Needs Plans (D-SNPs) for people who have both Medicare and Texas Medicaid. Medicare says D-SNPs contract with your state Medicaid program to help coordinate your benefits. There are also 7 plans for people with certain chronic conditions and 7 plans for people who live in a nursing home or similar facility.

If paying your premiums is a struggle, see our guide to getting help with the Part B premium in Texas.

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, Jan. 1 to March 31. For neighboring counties, see Austin and Travis County, Hays County, Bell County to the north, 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. In Williamson County, the local partner is the Capital Area Area Agency on Aging, at 512-916-6054, which also serves Travis, Hays, Bastrop, and other nearby counties.

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