Best Medicare Advantage Plans in Harris County, TX for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Harris 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.
Harris County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | MedCare Classic (HMO)MedCare Partners Health Plan of Texas · HMO1 of 254 counties · drug deductible $0Dental up to $2,000/yr · eyewear $200/yr | $0 | $1,500 | $1,500 | Too new to rate |
| 2 | Verda Noble Care (HMO)Verda Health Plan of Texas · HMO3 of 254 counties · drug deductible $300Dental · eyewear $250/yr · OTC items $960/yr | $0 | $1,599 | $1,599 | 2★ |
| 3 | SCAN Classic Texas (HMO)SCAN Health Plan · HMO6 of 254 counties · drug deductible $450Dental up to $2,000/yr · eyewear $300/yr · OTC items $200/yr | $0 | $2,900 | $2,900 | Not rated |
| 4 | Wellcare TexanPlus Classic Simple (HMO-POS)Wellcare · HMO-POS14 of 254 counties · drug deductible $700Dental up to $2,000/yr | $0 | $3,400 | $3,400 | 4★ |
| 5 | SCAN Walmart Health Advantage (HMO)SCAN Health Plan · HMO6 of 254 counties · drug deductible $450Dental up to $3,500/yr · OTC items $780/yr | $0 | $3,500 | $3,500 | Not rated |
| 6 | Wellcare Simple (HMO)Wellcare · HMO15 of 254 counties · drug deductible $700Dental up to $2,000/yr | $0 | $3,500 | $3,500 | 3.5★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | DEVOTED CORE 001 TX (HMO)Devoted Health · HMO6 of 254 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $456/yr | $0 | $3,700 | $3,700 | 4.5★ |
| 10 | 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★ |
| 11 | Humana Gold Plus H0028-072 (HMO)Humana · HMO3 of 254 counties · drug deductible $440Dental up to $3,000/yr · eyewear $350/yr | $0 | $3,950 | $3,950 | 4.5★ |
| 12 | 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★ |
| 13 | Humana Total Complete (HMO)Humana · HMO3 of 254 counties · drug deductible $440Dental up to $3,000/yr · eyewear $350/yr | $0 | $3,950 | $3,950 | 4.5★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | DEVOTED PREMIUM 002 TX (HMO)Devoted Health · HMO6 of 254 counties · drug deductible $650Dental up to $3,000/yr · eyewear $250/yr | $5 | $4,150 | $4,210 | 4.5★ |
| 17 | AARP Medicare Advantage from UHC TX-4P (HMO-POS)UnitedHealthcare · HMO-POS4 of 254 counties · drug deductible $595Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $36 | $3,900 | $4,332 | 4★ |
| 18 | Aetna Medicare Prime Care (HMO)Aetna Medicare · HMO2 of 254 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,000/yr per ear · OTC items $180/yr | $0 | $4,450 | $4,450 | 3★ |
| 19 | Wellpoint Medicare Advantage Select 1 (HMO-POS)Wellpoint · HMO-POS3 of 254 counties · drug deductible $0Dental up to $3,250/yr · eyewear $250/yr · hearing aids $3,000/yr · OTC items $128/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 20 | 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★ |
| 21 | AARP Medicare Advantage from UHC TX-001P (HMO-POS)UnitedHealthcare · HMO-POS4 of 254 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,900 | $4,900 | 4★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | AARP Medicare Advantage from UHC TX-0009 (HMO-POS)UnitedHealthcare · HMO-POS8 of 254 counties · drug deductible $685Dental · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | HumanaChoice H5216-043 (PPO)Humana · PPO25 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $0 | $6,800 | $6,800 | 4★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO10 of 254 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 32 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO10 of 254 counties · drug deductible $400Dental up to $2,500/yr · eyewear $175/yr · hearing aids $750/yr per ear · OTC items $140/yr | $0 | $7,150 | $7,150 | 3★ |
| 33 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO1 of 254 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $6.30 | $7,150 | $7,226 | 3.5★ |
| 34 | 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★ |
| 35 | 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★ |
| 36 | HumanaChoice H5216-042 (PPO)Humana · PPO84 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr | $62 | $6,750 | $7,494 | 4★ |
| 37 | HumanaChoice R4182-004 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $46 | $8,200 | $8,752 | 3.5★ |
| 38 | HumanaChoice R4182-003 (Regional PPO)Humana · Regional PPOAll 254 counties · drug deductible $700Dental · eyewear $150/yr | $100 | $8,200 | $9,400 | 3.5★ |
| 39 | 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★ |
| 40 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO1 of 254 counties · drug deductible $700Dental up to $1,000/yr · eyewear $175/yr · hearing aids $500/yr per ear | $65 | $9,850 | $10,630 | 3.5★ |
| 41 | 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: 69 in 2026, 49 in 2027.
- $0-premium plans: 53 in 2026, 41 in 2027.
- Median in-network out-of-pocket maximum: $6,700 in 2026, $6,000 in 2027.
- 262,934 people here were in a general-audience Advantage plan in October 2026; 26,542 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), Aetna Medicare Eagle (PPO), 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), Humana Gold Choice H8145-126 (PFFS).
Questions
How many Medicare Advantage plans are in Harris County for 2027?
41 general-audience plans with drug coverage, 33 of them with a $0 monthly premium, compared with 69 plans and 53 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Harris County?
MedCare Classic (HMO) from MedCare Partners Health Plan of Texas: $0 a month with an in-network out-of-pocket maximum of $1,500, so at most about $1,500 for the year in premiums and in-network costs.
Do any Harris County plans have a Part B giveback?
6 do. The largest is $202 a month off your Part B premium, from DEVOTED GIVEBACK 006 TX (HMO).
How many Harris County plans have 4 or more stars?
21 of 41, 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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