Best Medicare Advantage Plans in Texas (2027)

Prominence Health Plan is the best Medicare Advantage provider in Texas for 2027, with a median maximum annual cost exposure of $3,400, the lowest in the state. Its seven plans include six HMOs and one HMO-POS, with coverage available in 16 counties, including Hidalgo, Cameron and Webb.

All seven plans have $0 monthly premiums and include dental, vision and hearing benefits. Prominence also has a 4.0-star median CMS rating, with median primary care copays of $10 and specialist copays of $5. Its median dental benefit maximum is $2,000, and its median hearing aid allowance is $1,200.

The carrier's main limitation is geographic availability. Prominence serves just 6.3% of Texas counties. Still, if you're in that limited area, Prominence is a strong option to consider.

KelseyCare Advantage has some of the strongest Medicare Advantage quality ratings in Texas for 2027, with a 4.5-star median CMS rating and a 90 out of 100 median CAHPS health plan rating. Its median out-of-pocket maximum is $4,500, below the statewide median of $6,450.

The carrier has three plan options, including two HMOs and one HMO-POS, and serves13 counties in the Houston area and surrounding communities. Every plan has a $0 monthly premium and includes dental, vision and hearing benefits. Median benefits include a $2,000 dental maximum and a $1,500 hearing aid allowance.

KelseyCare's limited geographic coverage and small plan selection are its primary drawbacks. It's best suited to Houston-area residents who value strong quality ratings and manageable medical costs.

Humana has the largest Medicare Advantage plan selection in Texas for 2027, with 52 plans across all 254 counties. Its portfolio includes 24 HMOs, 25 PPOs and three Regional PPOs.

The carrier combines statewide availability with a 4.5-star median CMS rating. 73% of its plans have $0 monthly premiums, and 92% include dental benefits. All plans include vision and hearing coverage, with a median eyewear allowance of $200 and a median dental benefit maximum of $2,500.

Humana's median maximum annual cost exposure is $6,250, considerably higher than Prominence Health Plan's $3,400 median and KelseyCare Advantage's $4,500 median. However, its extensive coverage and plan variety make it a practical choice for Texans who prioritize insurer availability, network flexibility and quality ratings.

Devoted Health Medicare Advantage plans include extensive supplemental benefits and strong quality ratings in Texas for 2027. Its plans include 22 HMOs and two PPOs, and the carrier servers 74 counties. Of its 24 plans, 22 have $0 monthly premiums, while the remaining two cost just $5 per month.

Devoted Health's HMO plans have a 4.5-star CMS rating, but its PPO plans received a lower 3.5-star rating, among the lowest in the state. All of its plans include dental, vision and hearing benefits. Its median dental benefit maximum is $3,000, while its median eyewear and over-the-counter allowances are $350 and $398, respectively.

The trade-off is higher potential medical spending. Devoted's median maximum annual cost exposure is $6,650, and individual plans have out-of-pocket limits reaching $9,850.

Wellpoint provides Medicare Advantage coverage in 83 Texas counties for 2027. Its lineup includes four HMO-POS plans, which all have no monthly premiums and include dental, vision and hearing benefits.

Its median MOOP is $4,725, $1,725 below Texas' $6,450 statewide median. Median medical copays include $18 for primary care visits, $20 for specialist visits and $212 per inpatient hospital day. Wellpoint also offers a median dental benefit maximum of $2,250 and a $3,000 median hearing aid allowance, the highest in the state.

Wellpoint's main limitations are plan variety and quality ratings. Its 3.5-star median CMS rating trails several competing carriers, and it's catalog is limited to HMO-POS plans only.

Baylor Scott & White Health Plan is a reliable Medicare Advantage option for Texans who prioritize quality ratings and local plan selection. For 2027, it offers 11 plans across 41 counties, including eight HMO-POS plans and three PPOs.

The carrier has a 4.5-star median CMS rating and a 91 out of 100 median CAHPS health plan rating, the highest in the state. Its median specialist and primary care copays are $35 and $15, respectively. All plans include vision and hearing benefits, with a median hearing aid allowance of $1,000.

The main disadvantages are cost and supplemental coverage. Its median maximum annual cost exposure is $7,150, only 36% of its plans have $0 premiums, and none include dental benefits.

Wellcare has affordable Medicare Advantage plans across 122 Texas counties in 2027, with all nine of its plans carrying $0 monthly premiums. Its median out-of-pocket maximum is also among the lowest in the state at $3,900, 40% below the state median of $6,450.

The insurer has eight HMOs and one HMO-POS plan, with a median specialist copay of $20 and a primary care copay of $15. All but one of its HMO plans include dental benefits, with a median dental benefit maximum of $2,000. However, vision and hearing benefits are less consistently available, included in 44% and 56% of plans, respectively.

Wellcare has a 3.5-star median CMS rating, below the state average of 3.95 and beneath the CMS quality benchmark of 4 stars.

UnitedHealthcare provides Medicare Advantage plans in every Texas county for 2027, one of only two ranked carriers with statewide availability. It has 47 plans, including 36 HMO-POS plans, 10 PPOs and one Regional PPO.

85% of its plans have $0 monthly premiums, and its median CMS rating is 4.0 stars. All plans include hearing benefits, while 91% offer vision coverage with a median eyewear allowance of $200. Less than half of its plans include dental benefits.

UnitedHealthcare's median maximum out-of-pocket (MOOP) limit is $6,700, $250 above the state median of $6,450. Median inpatient hospital copays are $465 per day, while specialist visits cost $45 each.

Aetna Medicare has 31 Medicare Advantage plans across 138 Texas counties for 2027, one of the larger selections in the state. Its portfolio includes 10 HMOs and 21 PPOs.

87% of Aetna plans have $0 monthly premiums. All include vision and hearing benefits, and 68% offer dental coverage. Median supplemental benefits include a $500 dental maximum, $100 eyewear allowance and $1,000 hearing aid allowance.

Aetna's median out-of-pocket limit is $7,150, with individual plan limits reaching $9,850. Its 3.5-star median CMS rating also falls below the state average.

HealthSpring has nine Medicare Advantage plans in 47 Texas counties for 2027, with eight HMOs and one PPO. All nine plans have no monthly premiums, making it an option for beneficiaries seeking coverage without an additional plan premium, but its median out-of-pocket maximum of $6,800 is slightly above the statewide median.

Every HealthSpring plan includes dental and vision benefits, while all but one of its plans include hearing coverage. Its median dental benefit maximum is $1,900, alongside a $200 median eyewear allowance and $120 over-the-counter allowance. Median primary care and specialist copays are $15 and $35, respectively.

The company's HMO plans hold a 3.5-star median CMS rating with an 86 out of 100 CAHPS member rating, but it's PPO plan has a lower 3.0-CMS star rating and 80 CAHPS rating.