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Medicare Advantage by state
Texas has one of the largest Advantage markets in the country, and it is genuinely different by region: Houston and Dallas offer dozens of plans, the Rio Grande Valley is dominated by dual-eligible special needs plans, and west Texas has counties with almost no choice. There is no such thing as a Texas answer.
Figures reviewed for 2026
What matters
Humana, UnitedHealthcare, Aetna, Wellpoint, Superior HealthPlan, Molina, Baylor Scott & White Health Plan and Devoted Health all sell, alongside a dense field of special needs plans in the big metros. Harris, Dallas, Tarrant, Bexar and Hidalgo counties are saturated; rural west Texas counties often have two options or fewer.
Zero-premium plans with drug coverage, dental and an over-the-counter allowance are standard in the metros, and many add transportation and fitness benefits. The cost of a plan here is rarely the premium; it is the specialist you can no longer see without a referral or a drive.
Texas allows medical underwriting on Medigap after the six-month open enrollment period and prices on attained age, so the return path to a supplement narrows with time and health. The state’s plan service areas are filed by county, which is why a plan advertised in Houston may not exist in Amarillo.
The Texas HICAP program, reached through your local Area Agency on Aging, provides free counseling, and the Texas Department of Insurance regulates the plans and publishes complaint data.
We check every plan sold in your county against your doctors and your prescriptions, then tell you what the plan would actually cost over a year. No cost to you, and no obligation.
An Advantage plan is a network product. If you would rather keep any doctor in the country and know your costs in advance, the supplement guide for this state covers the rules, the pricing and who must sell to you.
Texas Medicare Supplement plansPlan lists and networks stop at the state line. These are the guides closest to Texas.
See every state's Medicare Advantage guideNext steps
No cost, no obligation
Plans and networks differ by county, sometimes by ZIP code. Tell us where you live and we will show you what is actually sold there.
