Best Medicare Advantage Plans in Texas 2025
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More than 4.7 million people in Texas are signed up for Medicare, making it the third-largest U.S. state for Medicare beneficiaries.
Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private insurance companies. It offers all 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, and they're often cheaper than paying for Medicare and a Medicare Supplement plan, but they offer less flexibility since 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.
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Compare the best Medicare Advantage plans in Texas
Top-rated Medicare Advantage plans in Texas
Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in Texas for the 2025 plan year. (Check out more information about Medicare star ratings.)
5-star plan providers
The company below offers plans in Texas that are rated 5 stars out of 5 by CMS:
4.5-star plans
The companies below offer plans in Texas that are rated 4.5 stars out of 5 by CMS:
KelseyCare Advantage.
UnitedHealthcare.
4-star plans
The companies below offer plans in Texas that are rated 4 stars out of 5 by CMS:
Cigna.
Prominence Health Plan.
UnitedHealthcare.
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
December update
Medicare star ratings are typically released once per year, but CMS recalculated its 2025 star ratings for UnitedHealthcare and Centene companies in December 2024. Updates took place after multiple lawsuits from insurance companies alleging that CMS improperly calculated the 2025 star ratings. NerdWallet has updated this article accordingly.
What to know about Medicare Advantage in Texas
Nearly 1 in 7 people in Texas are 65 and older, and there are a variety of Medicare Advantage plans in the state.
The average monthly premium in 2025 for a Medicare Advantage plan in Texas is $6.81. (This is down from $9.15 in 2024.)
There are 373 Medicare Advantage plans available in Texas in 2025. (This is down from 381 plans in 2024.)
All Medicare-eligible people in Texas have access to a $0-premium Medicare Advantage plan.
Third-party ratings
In its 2024 U.S. Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest Medicare markets, which include Texas.
In Texas, these Medicare Advantage providers scored above the regional average (629 points) on measures of member satisfaction (based on a 1,000-point scale):
Blue Cross and Blue Shield of Texas (665 points).
Humana (655 points).
Cigna Healthcare (637 points).
UnitedHealthcare (632 points).
Medicare resources in Texas
State Health Insurance Assistance Program, or 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.
💬 From our Nerds: What Medicare Advantage plans are rated the best in Texas?
“The only 5-star Medicare Advantage plans in Texas in 2025 are from UnitedHealthcare, and you can find 4.5-star plans from Baylor Scott & White Health Plan, Cigna, Devoted Health, KelseyCare Advantage and UHC.
“That said, not every plan from these companies gets high ratings, and even a plan with a high rating may not be the right fit for you. Compare your options and keep your doctors and prescriptions in mind.”
— Kate Ashford, lead writer covering Medicare
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 a preferred medical provider or 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?
Looking for more insurance in Texas? Check out these resources:
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those 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.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. 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 for additional information.
This roundup includes only insurers that sell Medicare Advantage in Texas.
