Best Medicare Advantage Plans in Galveston County, TX for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Galveston 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.
Galveston County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HealthSpring Alliance (HMO)HealthSpring · HMO11 of 254 counties · drug deductible $500Dental up to $3,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $3,600 | $3,600 | 3.5★ |
| 2 | DEVOTED CORE 019 TX (HMO)Devoted Health · HMO20 of 254 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $600/yr | $0 | $3,650 | $3,650 | 4.5★ |
| 3 | Humana Gold Plus H0028-042 (HMO)Humana · HMO9 of 254 counties · drug deductible $440Dental up to $2,000/yr · eyewear $250/yr | $0 | $3,950 | $3,950 | 4.5★ |
| 4 | Humana Total Complete (HMO)Humana · HMO9 of 254 counties · drug deductible $440Dental up to $2,000/yr · eyewear $250/yr | $0 | $3,950 | $3,950 | 4.5★ |
| 5 | HealthSpring Preferred (HMO)HealthSpring · HMO18 of 254 counties · drug deductible $500Dental up to $2,750/yr · eyewear $300/yr · OTC items $260/yr | $0 | $4,000 | $4,000 | 3.5★ |
| 6 | KelseyCare Advantage Signature (HMO)KelseyCare Advantage · HMO5 of 254 counties · drug deductible $0Dental up to $2,500/yr · eyewear $125/yr · hearing aids $250/yr per ear · OTC items $100/yr | $0 | $4,150 | $4,150 | 4.5★ |
| 7 | DEVOTED GIVEBACK EXTRAS 114 TX (HMO)Devoted Health · HMO20 of 254 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $1,200/yr | $0−$70 Part B giveback | $5,600 | $4,760 | 4.5★ |
| 8 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO18 of 254 counties · drug deductible $300Part B giveback $176/mo · Dental up to $5,000/yr · eyewear $150/yr | $0−$176 Part B giveback | $7,500 | $5,388 | 3.5★ |
| 9 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO18 of 254 counties · drug deductible $300Part B giveback $124/mo · Dental up to $5,000/yr · eyewear $200/yr · OTC items $120/yr | $0−$124 Part B giveback | $7,200 | $5,712 | 3.5★ |
| 10 | DEVOTED GIVEBACK 006 TX (HMO)Devoted Health · HMO20 of 254 counties · drug deductible $461Part B giveback $202/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $800/yr | $0−$202 Part B giveback | $8,300 | $5,876 | 4.5★ |
| 11 | Humana USAA Honor Giveback with Rx (PPO)Humana · PPO11 of 254 counties · drug deductible $700Part B giveback $84/mo · Dental up to $1,750/yr · eyewear $250/yr | $0−$84 Part B giveback | $6,900 | $5,892 | 4★ |
| 12 | Humana USAA Honor Giveback with Rx (PPO)Humana · PPO11 of 254 counties · drug deductible $700Part B giveback $84/mo · Dental up to $1,750/yr · eyewear $250/yr | $0−$84 Part B giveback | $6,900 | $5,892 | 4.5★ |
| 13 | 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★ |
| 14 | Humana Value Choice (PPO)Humana · PPO29 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $0 | $6,800 | $6,800 | 4.5★ |
| 15 | KelseyCare Advantage Freedom (HMO-POS)KelseyCare Advantage · HMO-POS13 of 254 counties · drug deductible $200Dental up to $2,000/yr · eyewear $125/yr · hearing aids $250/yr per ear · OTC items $100/yr | $0 | $6,850 | $6,850 | 4.5★ |
| 16 | AARP Medicare Advantage from UHC TX-0015 (HMO-POS)UnitedHealthcare · HMO-POS14 of 254 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 17 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO22 of 254 counties · drug deductible $700Preventive dental · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 18 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO22 of 254 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $6.30 | $7,150 | $7,226 | 3.5★ |
| 19 | Humana Essentials Plus Giveback (PPO)Humana · PPO76 of 254 counties · drug deductible $50Part B giveback $81/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$81 Part B giveback | $8,300 | $7,328 | 4.5★ |
| 20 | HumanaChoice Giveback H5216-358 (PPO)Humana · PPO77 of 254 counties · drug deductible $50Part B giveback $81/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$81 Part B giveback | $8,300 | $7,328 | 4★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | HumanaChoice R4182-004 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $46 | $8,200 | $8,752 | 3.5★ |
| 24 | HumanaChoice R4182-003 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $100 | $8,200 | $9,400 | 3.5★ |
| 25 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO1 of 254 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 26 | 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★ |
| 27 | 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: 46 in 2026, 33 in 2027.
- $0-premium plans: 37 in 2026, 27 in 2027.
- Median in-network out-of-pocket maximum: $6,725 in 2026, $7,150 in 2027.
- 24,176 people here were in a general-audience Advantage plan in October 2026; 6,421 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), KelseyCare Advantage Core (HMO), 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).
Questions
How many Medicare Advantage plans are in Galveston County for 2027?
27 general-audience plans with drug coverage, 21 of them with a $0 monthly premium, compared with 46 plans and 37 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Galveston County?
HealthSpring Alliance (HMO) from HealthSpring: $0 a month with an in-network out-of-pocket maximum of $3,600, so at most about $3,600 for the year in premiums and in-network costs.
Do any Galveston County plans have a Part B giveback?
8 do. The largest is $202 a month off your Part B premium, from DEVOTED GIVEBACK 006 TX (HMO).
How many Galveston County plans have 4 or more stars?
15 of 27, 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
Keep going
Other Texas counties
Bell County · Bexar County · Brazoria County · Brazos County · Cameron County · Collin County · Comal County · Dallas County · Denton County · Ector County · El Paso County · Ellis County · Fort Bend County · Grayson County · Gregg County · Guadalupe County · Harris County · Hays County · Hidalgo County · Jefferson County · Johnson County · Kaufman County · Lubbock County · McLennan County · Midland County · Montgomery County · Nueces County · Parker County · Potter County · Randall County · Rockwall County · Smith County · Tarrant County · Taylor County · Tom Green County · Travis County · Webb County · Wichita County · Williamson County