Best Medicare Advantage Plans in Texas (2026)

Prominence Health Plan is one of the most affordable Texas Medicare Advantage companies, with $0 premiums across all eight of its plans and a median out-of-pocket maximum of $3,775, below the statewide HMO median of $4,000. Primary care and specialist copays range from $0 to $10, and every plan includes dental, vision and hearing benefits. Prominence also has a 4.5-star CMS rating and a CAHPS member experience plan rating of 91 out of 100.

The main limitation is availability. Prominence serves 16 Texas counties, concentrated in the Rio Grande Valley and Panhandle. For beneficiaries in its service area, the combination of low costs, consistent supplemental benefits and high member satisfaction is hard to beat.

Devoted Health has Texas's highest CMS rating at 5 stars while offering $0 monthly premiums across all its plans. Its Core plans have out-of-pocket maximums starting at $3,450, comprehensive dental benefits up to $4,000 and annual OTC allowances up to $800. Vision benefits reach $400 per year.

Devoted serves 46 Texas counties, including parts of the Houston, San Antonio and El Paso areas. Its combination of low costs, strong supplemental benefits and top-rated quality makes it a competitive option where available. A CAHPS plan rating of 91 out of 100 also shows high member satisfaction.

KelseyCare Advantage's Signature plan pairs a $0 premium with a $3,900 out-of-pocket maximum. Its other plans also charge $0 premiums, though out-of-pocket limits vary, reaching $6,750 for the Freedom plan. KelseyCare has a 4.5-star CMS rating and a CAHPS plan rating of 91 out of 100.

Supplemental benefits include comprehensive dental coverage up to $2,500, a $1,500 hearing aid allowance and $125 for vision eyewear. County availability varies by plan. Signature serves five Houston-area counties, while Core and Freedom extend coverage to 13 counties.

HealthSpring has a 4.5-star CMS rating across its Texas HMO lineup, offering consistent quality alongside $0 monthly premiums on every plan. Its HealthSpring Preferred (Plan 61) is available in 39 counties with a $3,400 out-of-pocket maximum and $20 primary care copays. Every plan also includes comprehensive dental coverage, and a CAHPS plan rating of 89 out of 100 points to high member satisfaction.

HealthSpring's broadest plans serve 48 Texas counties, and its most popular HMO has more than 67,000 enrollees. Depending on the plan, annual OTC allowances range from $120 to $680, and vision benefits reach $400. HealthSpring is a strong option if you're looking for $0 premiums, solid supplemental benefits and consistently high CMS ratings.

CHRISTUS Health Plan keeps medical cost sharing low across its Texas HMO lineup. Most plans have a $0 monthly premium, and all cover inpatient hospital stays at $0 per day. Maximum annual cost exposure ranges from $4,000 to $4,900, while a CAHPS plan rating of 89 out of 100 indicates above-average member satisfaction. Every plan includes comprehensive dental coverage, with annual maximums reaching $4,000 on the Plus tier.

Availability is more limited, with individual plans serving 20 to 36 counties across East Texas, Southeast Texas and the Coastal Bend. CHRISTUS also doesn't offer hearing aid benefits.

Wellpoint's main advantage is its low cost. All three of its HMO-POS plans have $0 monthly premiums, and the median maximum out-of-pocket limit is $3,500, well below the $5,000 median across all HMO-POS Medicare Advantage plans in Texas. The HMO-POS structure also provides more flexibility to use out-of-network providers than a standard HMO.

Supplemental benefits vary by plan. All three include vision coverage with a $250 allowance, while two of its three plans have hearing benefits with a median $3,000 hearing aid allowance. Dental and hearing coverage aren't included with every plan, so beneficiaries should compare benefits before enrolling. Wellpoint's 3.5-star CMS rating is tied for the lowest among the carriers we ranked.

WellCare has $0-premium Medicare Advantage plans across much of Texas. Its TexanPlus Classic Simple (HMO-POS) plan features a low $3,400 maximum out-of-pocket limit, comprehensive dental coverage and a $2,000 dental maximum. Plans under WellCare's H0174 contract have a 4.0-star CMS rating, while its H5294 and H7323 contracts have a lower 3.5-star rating.

Costs and benefits vary across WellCare's portfolio. Its Giveback plans don't include supplemental dental coverage and have maximum out-of-pocket limits as high as $8,200, compared with $3,400 for its Simple plan lineup. TexanPlus Classic Simple is WellCare's most popular Texas plan, with 28,421 enrollees.

Baylor Scott & White Health Plan has a 4-star CMS rating across its entire Texas Medicare Advantage portfolio, with CAHPS plan ratings of 90 to 91 out of 100. Nearly two-thirds of its plans have $0 monthly premiums and include dental benefits up to $3,500, hearing aid allowances up to $1,600 and annual vision allowances up to $200.

The BSW SeniorCare Advantage Select Rx (HMO-POS) plan is its most popular option, with more than 16,700 enrollees. The plan features a $0 monthly premium and a $5,800 out-of-pocket maximum, with $15 primary care and $35 specialist copays. The plan serves 34 counties across Central Texas and the Brazos Valley and includes a $320 annual OTC allowance.

UnitedHealthcare offers more Texas Medicare Advantage plans than any other carrier in our analysis, with 57 options covering nearly 600,000 enrollees. Most plans have $0 monthly premiums. The Erickson Advantage Signature plan has a 5-star CMS rating and a $3,000 out-of-pocket maximum with an $8 monthly premium.

UnitedHealthcare covers all counties in Texas, though individual plan availability varies by county. Its AARP-branded HMO-POS plans serve between nine and 27 counties each, including parts of the Dallas-Fort Worth, San Antonio and Houston metro areas. Benefits on its highest-rated plans include up to $5,000 in dental coverage and annual vision allowances of up to $300.

Humana has 54 Medicare Advantage plans in Texas in 2026, including HMO, PPO and Regional PPO options, with nearly 443,000 enrollees statewide. Most plans have $0 monthly premiums, and its plans that do have premiums don't exceed $14 per month. Its HumanaChoice PPO plans have 4.5-star CMS ratings and CAHPS plan ratings of 91 out of 100, but quality varies widely across its catalog. Many of its plans have a 3.5-star CMS rating, and its CAHPS member experience ratings range from 85 to 91 out of 100.

Humana's Regional PPO plans are available across all 254 Texas counties, so rural beneficiaries have broader access than many county-based plans. Most plans also include comprehensive dental, vision and OTC benefits, though costs and benefit levels vary across Humana's large portfolio.