Best Medicare Advantage Plans in El Paso County, TX for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in El Paso County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
El Paso County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Alignment Health ONE + Walgreens 001 (HMO-POS)Alignment Health Plan · HMO-POS2 of 254 counties · drug deductible $0Dental up to $2,500/yr · eyewear $200/yr · OTC items $240/yr | $0 | $2,950 | $2,950 | 4.5★ |
| 2 | Humana Gold Plus H0028-035 (HMO)Humana · HMO2 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $300/yr | $0 | $3,350 | $3,350 | 4.5★ |
| 3 | Humana Gold Plus H4461-061 (HMO)Humana · HMO2 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,350 | $3,350 | 4.5★ |
| 4 | DEVOTED CORE 007 TX (HMO)Devoted Health · HMO2 of 254 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $280/yr | $0 | $3,450 | $3,450 | 4.5★ |
| 5 | Humana Gold Plus H4461-053 (HMO)Humana · HMO19 of 254 counties · drug deductible $700Dental up to $5,000/yr · eyewear $400/yr | $24 | $3,400 | $3,688 | 4.5★ |
| 6 | Wellcare Simple (HMO)Wellcare · HMO1 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,000/yr per ear | $0 | $3,900 | $3,900 | 3.5★ |
| 7 | AARP Medicare Advantage from UHC TX-0013 (HMO-POS)UnitedHealthcare · HMO-POS1 of 254 counties · drug deductible $595Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $4,200 | $4,200 | 4★ |
| 8 | AARP Medicare Advantage Essentials from UHC EP-1 (PPO)UnitedHealthcare · PPO1 of 254 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 4★ |
| 9 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO1 of 254 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $4,450 | $4,450 | Not rated |
| 10 | HealthSpring Preferred (HMO)HealthSpring · HMO1 of 254 counties · drug deductible $500Dental up to $3,000/yr · eyewear $175/yr · OTC items $240/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 11 | HumanaChoice H7617-063 (PPO)Humana · PPO1 of 254 counties · drug deductible $520Dental up to $2,500/yr · eyewear $100/yr | $0 | $4,500 | $4,500 | 4.5★ |
| 12 | Alignment Health Smart 010 (HMO-POS)Alignment Health Plan · HMO-POS2 of 254 counties · drug deductible $700Part B giveback $153.90/mo · Preventive dental · eyewear $50/yr | $0−$153.90 Part B giveback | $6,450 | $4,603 | 4.5★ |
| 13 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO1 of 254 counties · drug deductible $300Part B giveback $180/mo · Dental up to $850/yr · eyewear $100/yr | $0−$180 Part B giveback | $6,900 | $4,740 | 3.5★ |
| 14 | DEVOTED GIVEBACK EXTRAS 113 TX (HMO)Devoted Health · HMO2 of 254 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $1,076/yr | $0−$70 Part B giveback | $5,700 | $4,860 | 4.5★ |
| 15 | AARP Medicare Advantage from UHC EP-4 (PPO)UnitedHealthcare · PPO1 of 254 counties · drug deductible $440Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $66 | $4,200 | $4,992 | 4★ |
| 16 | Alignment Health Smart 003 (HMO-POS)Alignment Health Plan · HMO-POS2 of 254 counties · drug deductible $700Part B giveback $109/mo · Preventive dental · eyewear $50/yr | $0−$109 Part B giveback | $6,450 | $5,142 | 4.5★ |
| 17 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO1 of 254 counties · drug deductible $300Part B giveback $133/mo · Dental up to $2,500/yr · eyewear $200/yr | $0−$133 Part B giveback | $7,150 | $5,554 | 3.5★ |
| 18 | El Paso Health Total (HMO)El Paso Health Medicare Advantage · HMO2 of 254 counties · drug deductible $425Dental up to $1,000/yr · eyewear $200/yr · OTC items $180/yr | $0 | $5,600 | $5,600 | 3★ |
| 19 | Humana Essentials Plus Giveback (PPO)Humana · PPO7 of 254 counties · drug deductible $0Part B giveback $121/mo · Dental up to $5,000/yr · eyewear $150/yr | $0−$121 Part B giveback | $7,100 | $5,648 | 4.5★ |
| 20 | HumanaChoice Giveback H5216-350 (PPO)Humana · PPO7 of 254 counties · drug deductible $0Part B giveback $121/mo · Dental up to $5,000/yr · eyewear $150/yr | $0−$121 Part B giveback | $7,100 | $5,648 | 4★ |
| 21 | AARP Medicare Advantage Extras from UHC EP-3 (PPO)UnitedHealthcare · PPO1 of 254 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 22 | HumanaChoice Giveback H5216-433 (PPO)Humana · PPO1 of 254 counties · drug deductible $700Part B giveback $161/mo · Dental · eyewear $150/yr | $0−$161 Part B giveback | $7,950 | $6,018 | 4★ |
| 23 | DEVOTED GIVEBACK 008 TX (HMO)Devoted Health · HMO2 of 254 counties · drug deductible $461Part B giveback $202/mo · Dental up to $2,500/yr · eyewear $400/yr · OTC items $800/yr | $0−$202 Part B giveback | $8,650 | $6,226 | 4.5★ |
| 24 | HealthSpring True Choice (PPO)HealthSpring · PPO40 of 254 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $6,800 | $6,800 | 3★ |
| 25 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 254 counties · drug deductible $300Dental up to $1,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $7,150 | $7,150 | 3★ |
| 26 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO2 of 254 counties · drug deductible $700Dental up to $1,000/yr · eyewear $125/yr · hearing aids $500/yr per ear · OTC items $120/yr | $55 | $7,150 | $7,810 | 3.5★ |
| 27 | HumanaChoice H5216-043 (PPO)Humana · PPO57 of 254 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $20 | $7,700 | $7,940 | 4★ |
| 28 | HumanaChoice H7617-059 (PPO)Humana · PPO57 of 254 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $23 | $7,700 | $7,976 | 4.5★ |
| 29 | El Paso Health Giveback (HMO)El Paso Health Medicare Advantage · HMO2 of 254 counties · drug deductible $700Part B giveback $128/mo · Dental up to $750/yr · eyewear $200/yr | $0−$128 Part B giveback | $9,850 | $8,314 | 3★ |
| 30 | HumanaChoice R4182-004 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $46 | $8,200 | $8,752 | 3.5★ |
| 31 | AARP Medicare Advantage Giveback from UHC EP-2 (PPO)UnitedHealthcare · PPO1 of 254 counties · drug deductible $240Part B giveback $67/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$67 Part B giveback | $9,850 | $9,046 | 4★ |
| 32 | HumanaChoice R4182-003 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $100 | $8,200 | $9,400 | 3.5★ |
| 33 | Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS83 of 254 counties · drug deductible $105Dental up to $2,000/yr · eyewear $350/yr · hearing aids $3,000/yr · OTC items $400/yr | $0 | $9,850 | $9,850 | 3★ |
| 34 | AARP Medicare Advantage from UHC TX-61 (Regional PPO)UnitedHealthcare · Regional PPOAll 254 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $138 | $9,850 | $11,506 | 3★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 52 in 2026, 42 in 2027.
- $0-premium plans: 39 in 2026, 34 in 2027.
- Median in-network out-of-pocket maximum: $6,450 in 2026, $6,625 in 2027.
- 59,941 people here were in a general-audience Advantage plan in October 2026; 2,024 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: HealthSpring Courage (HMO), Wellcare Patriot Simple (HMO), Aetna Medicare Eagle (PPO), HumanaChoice R4182-001 (Regional PPO), AARP Medicare Advantage Patriot No Rx TX-MA01 (HMO-POS), Humana USAA Honor Giveback (PPO), Humana USAA Honor Giveback (PPO), Humana Gold Choice H8145-126 (PFFS).
Questions
How many Medicare Advantage plans are in El Paso County for 2027?
34 general-audience plans with drug coverage, 26 of them with a $0 monthly premium, compared with 52 plans and 39 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in El Paso County?
Alignment Health ONE + Walgreens 001 (HMO-POS) from Alignment Health Plan: $0 a month with an in-network out-of-pocket maximum of $2,950, so at most about $2,950 for the year in premiums and in-network costs.
Do any El Paso County plans have a Part B giveback?
11 do. The largest is $202 a month off your Part B premium, from DEVOTED GIVEBACK 008 TX (HMO).
How many El Paso County plans have 4 or more stars?
20 of 34, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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