Every year, there's a new crop of Medicare plans available in Texas. Even if you like your current plan, it might change significantly for next year.
That's why NerdWallet's editorial team analyzes every Medicare plan top to bottom each year.
For 2027, there are 421 Medicare Advantage plans commercially available in Texas. We dove deep into the data to analyze and compare every single one.
45+ Medicare companies and brands analyzed by our team of experts.
30+ years of combined experience covering Medicare and personal finance.
Governed by NerdWallet's strict guidelines for editorial integrity.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
Compare the best Medicare Advantage plans in Texas
Insurance company | NerdWallet rating | $0 plan availability | Members in high-quality plans | Member experience | Learn more |
|---|---|---|---|---|---|
BEST FOR PLAN OPTIONS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.8/5 | 68% (Average) | Medium (50% to 84%) | 3.26 (Below average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST MAJOR COMPANY | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.6/5 | 80% (Above average) | High (85% to 100%) | 3.86 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.8/5 | 98% (Above average) | Medium (50% to 84%) | 3.97 (Above average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.4/5 | 66% (Below average) | Low (49% or less) | 3.56 (Average) | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
NerdWallet's picks in Texas
We analyzed every Medicare Advantage plan sold in Texas to find the best based on premiums, prescription drug coverage, costs for medical care, quality ratings, customer satisfaction and more.
These companies had plans that came out on top of our state-specific analysis:
KelseyCare Advantage.
Prominence Advantage.
Here are our 25 top-scoring standard plans in Texas that include prescription drug coverage, along with our 25 top-scoring special needs plans (SNPs) in Texas. All of these plans earned at least 4 out of 5 stars on our scoring system. Plans are listed in order of NerdWallet's star rating, starting with the highest-rated plans.
Standard plans
Humana Gold Plus H4461-058 (HMO).
Humana Gold Plus H4461-060 (HMO).
Humana Gold Plus H4461-061 (HMO).
Alignment Health ONE + Walgreens 001 (HMO-POS).
KelseyCare Advantage Signature (HMO).
Humana Gold Plus H4461-062 (HMO).
Humana Gold Plus H4461-055 (HMO).
Humana Total Complete (HMO).
Humana Gold Plus H0028-029 (HMO).
Humana Gold Plus H0028-030 (HMO).
Humana Gold Plus H0028-035 (HMO).
Humana Gold Plus H4461-054 (HMO).
Humana Gold Plus H0028-043 (HMO).
Alignment Health Smart 003 (HMO-POS).
Alignment Health Smart 010 (HMO-POS).
Humana Gold Plus H0028-041 (HMO).
Humana Gold Plus H0028-046 (HMO).
Humana Gold Plus H0028-042 (HMO).
Humana Gold Plus H0028-072 (HMO).
Humana Gold Plus H0028-037 (HMO).
HumanaChoice Giveback H5216-433 (PPO).
HumanaChoice Giveback H5216-350 (PPO).
AARP Medicare Advantage from UHC TX-0013 (HMO-POS).
AARP Medicare Advantage Essentials from UHC TX-11 (HMO-POS).
AARP Medicare Advantage from UHC TX-0015 (HMO-POS).
Special needs plans
Alignment Health Heart & Diabetes 002 (HMO-POS C-SNP).
Humana Gold Plus SNP-DE H4461-069 (HMO D-SNP).
Humana Gold Plus SNP-DE H4461-070 (HMO D-SNP).
Humana Gold Plus SNP-DE H4461-071 (HMO D-SNP).
Humana Gold Plus SNP-DE H4461-072 (HMO D-SNP).
Humana Gold Plus - Diabetes and Heart (HMO C-SNP).
Humana Gold Plus SNP-DE H0028-032 (HMO D-SNP).
Humana Gold Plus SNP-DE H0028-036 (HMO D-SNP).
UHC Complete Care TX-19 (HMO-POS C-SNP).
UHC Complete Care TX-18 (HMO-POS C-SNP).
Humana Together in Health (PPO I-SNP).
UHC Complete Care TX-16 (HMO-POS C-SNP).
UHC Complete Care TX-17 (HMO-POS C-SNP).
Alignment Health Heart & Diabetes Plus 004 (HMO-POS).
Alignment Health Duals+ 007 (HMO-POS D-SNP).
Prominence Dual (HMO D-SNP).
Devoted C-SNP 046 TX (HMO C-SNP).
Prominence Diabetes and Heart Care Plus (HMO C-SNP).
UHC Dual Complete TX-Q2 (HMO-POS D-SNP).
UHC Complete Care TX-24 (HMO-POS C-SNP).
Devoted C-SNP 027 TX (HMO C-SNP).
UHC Dual Advantage TX-V2 (HMO-POS D-SNP).
Alignment Health Duals+ 009 (HMO-POS D-SNP).
UHC Complete Care TX-3P (HMO-POS C-SNP).
Devoted C-SNP Enhanced 028 TX (HMO C-SNP).
» MORE: Best Medicare Advantage plans
What to know about Medicare Advantage in Texas
About 5 million people in Texas are signed up for Medicare.
The average monthly premium in 2027 for a Medicare Advantage plan in Texas is $4.27. (In 2026, it was $3.94.)
There are 421 Medicare Advantage plans available in Texas in 2027. (In 2026, there were 423.)
100% of Medicare-eligible people in Texas have access to a $0-premium Medicare Advantage plan.
Medicare is the federal health insurance program for people 65 and older. Medicare Advantage, sold by private insurance companies, is a bundled alternative to Medicare that offers the same benefits and usually some extras, such as cost help with dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare plans, and they're often cheaper than paying for Medicare and a Medicare Supplement Insurance plan, or Medigap. However, they offer less flexibility because you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.
» MORE: Medicare vs. Medicare Advantage: Which should I choose?
Third-party ratings
JD Power releases an annual study measuring member satisfaction with Medicare Advantage plans. It uses eight factors, such as level of trust, ability to get health services, ease of doing business and resolving problems or complaints.
In Texas, these Medicare Advantage companies scored above the regional average (621 points) on measures of member satisfaction (based on a 1,000-point scale):
Humana (641 points).
UnitedHealthcare (628 points).
Aetna (624 points).
Medicare resources in Texas
State Health Insurance Assistance Program (SHIP): The Texas Health Information, Counseling and Advocacy Program provides free information and counseling about Medicare options, processes and costs.
Texas Department of Insurance: Publishes information about Medicare, long-term care insurance and other insurance topics.
Texas Area Agencies on Aging: Provide information and assistance for Texans older than 60 and their caregivers to access a variety of community services.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have preferred medical providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Looking for more insurance in Texas? Check out these resources:
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. Fact Sheet. Accessed Oct 28, 2026.
- 2.JD Power. Medicare Advantage Plan Members Seek Stronger Patient Advocacy, Care Coordination. Accessed Oct 28, 2026.
Medicare Advantage review methodology
NerdWallet’s Medicare Advantage ratings are based on premiums, out-of-pocket costs, prescription drug coverage, quality data from the Centers for Medicare & Medicaid Services, consumer experience and more. We analyze and calculate ratings for every Medicare Advantage plan sold throughout the U.S. on a curved 5-point scale.
At the national level, we calculate ratings for companies as the average of their plans’ scores, weighted by enrollment.
NerdWallet’s editorial team analyzed companies covering about 87% of all Medicare Advantage beneficiaries in the United States. We reviewed 23 Medicare Advantage brands, with some insurance companies having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.)
The Medicare Advantage marketplace is concentrated among just a handful of companies. In many places, one company serves more than half of the market. At the national level, NerdWallet’s reviews include each of the 10 largest brands by enrollment.
We research and analyze all commercial Medicare Advantage plans and publish reviews for selected companies. At the state level, we review at least one major insurer in every state where Medicare Advantage plans are sold, and we review both of the top two insurers in 40 of those 49 states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Advantage.
This roundup includes only insurers that sell Medicare Advantage in Texas.