Medicare & Health Insurance in Texas: Your 2027 Guide
We publish 2027 county guides for 2 Texas counties. Across them, Medicare Advantage choice runs from 41 plans in Dallas County to 48 in Harris County, and 10 stand-alone Part D plans are sold statewide. People under 65 buy Marketplace coverage through HealthCare.gov.
Page last revised 15 October 2026. Plan data: CMS CY2027 landscape and 2027 Star Ratings.
Texas is the largest market we are licensed in outside Florida, and we serve it entirely by phone and video. The Marketplace mechanics are the same as Florida’s because Texas also uses HealthCare.gov, so the same income limits, deadlines and subsidy rules apply.
What changes is the scale of the need. Dallas and Harris counties each have an uninsured rate above 21% in the latest Census survey, higher than any single Florida county, and their 2027 Medicare Advantage shelves have a wider gap between the lowest and highest out-of-pocket limits than the First Coast.
Insurance Guides for Every County We Serve in Texas
2 county guides, grouped by region. Each one carries the full 2027 Medicare Advantage plan table for that county, its star ratings, Special Needs Plans, hospitals, the stand-alone Part D options and local enrollment help.
North Texas
Dallas County and the Dallas metro.
Southeast Texas: the Gulf Coast
Harris County and the city of Houston.
How do the Texas counties compare for 2027?
| County | MA plans | $0 Part C | MOOP range | Median MOOP | Avg rating | SNPs | Uninsured |
|---|---|---|---|---|---|---|---|
| Dallas County | 41 | 31 | $2,399–$9,850 | $6,800 | 3.82 | 42 | 21.6% |
| Harris County | 48 | 42 | $1,500–$9,850 | $5,800 | 3.86 | 50 | 21.2% |
Sources: CMS CY2027 landscape and 2027 Star Ratings (non-SNP Medicare Advantage); U.S. Census Bureau ACS 2023 (uninsured rate, all ages).
Stand-alone Part D plans in Texas for 2027
10 stand-alone Part D plans are sold across Texas (PDP region 22) for 2027, against 12 in 2026. Premiums run from $5.30 to $199 a month. The 2027 deductible is capped at $700 and out-of-pocket drug costs at $2,400 for the year.
| Plan | Monthly premium | Deductible | 2027 Part D rating |
|---|---|---|---|
| Humana Basic Rx Plan (PDP) | $6.30 | $700 | 4.5★ |
| Wellcare Classic (PDP) | $7.30 | $700 | 3.0★ |
| HealthSpring Assurance Rx (PDP) | $98 | $700 | 2.5★ |
| Plan | Monthly premium | Deductible | 2027 Part D rating |
|---|---|---|---|
| Wellcare Value Script (PDP) | $5.30 | $700 | 3.0★ |
| Humana Value Rx Plan (PDP) | $33.20 | $687 | 4.5★ |
| Humana Premier Rx Plan (PDP) | $137.50 | $350 | 4.5★ |
Source: CMS CY2027 landscape (PDP rows); 2027 Part D summary ratings. Sorted by premium.
Texas programs and rules worth knowing
- Marketplace: HealthCare.gov (federal Marketplace). Open enrollment for 2027 coverage: November 1, 2026 to January 15, 2027 (December 15 for a January 1 start).
- Medicaid: Texas Health and Human Services (Your Texas Benefits). Texas has not adopted the ACA Medicaid expansion (KFF, October 2026).
- Medicare Savings Programs: the state Medicaid agency above takes applications for help paying Part B premiums. Check the 2026 federal limits with our Medicare Savings Program estimator.
- Medigap in Texas: policies are guaranteed renewable and carry a 30-day free look; people eligible for Medicare through ESRD or ALS first eligible on or after January 1, 2020 can buy Plans A, B, D, G, K or L regardless of health (Texas Department of Insurance).
Texas: frequently asked
Sources & methodology
- CMS — Prescription Drug Coverage: CY2026 and CY2027 MA / Part D Landscape Source Files (Downloads) · CY2026 and CY2027, pulled 15 October 2026
- CMS — Part C and D Performance Data (2027 Star Ratings, released October 2026) · 2027
- Medicare.gov — Costs for Medicare drug coverage · 2026–2027
- KFF (analyst source) — Status of State Action on the Medicaid Expansion Decision, October 2026 · October 2026
- HealthCare.gov — Medicaid expansion & what it means for you · current
- Medicare.gov — When can I buy Medigap? · federal rule
- Texas Department of Insurance — Medicare supplement insurance · current
- HealthCare.gov — Dates and deadlines for 2027 coverage · 2027 coverage
- U.S. Census Bureau — American Community Survey 2023 5-year estimates · ACS 2023
County figures are non-SNP Medicare Advantage plans from the CMS landscape file; see each county guide for the method. Stand-alone Part D plans are listed for PDP region 22, which covers all of Texas. Pulled through the Ambrose Insurance Brain on 15 October 2026.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 2026.
Help anywhere in Texas, at no cost
Free, no-pressure help comparing Medicare, Marketplace, life and supplemental coverage. Call or book a time that suits you.
Medicare TPMO disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.