Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
$0 Premium Medicare Advantage Plans in Texas
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Texas for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
166$0-premium plans, of 209 with drug coverage
$1,500lowest in-network out-of-pocket max among them
47also pay part of your Part B premium
Showing all 166 plans.
| # | 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 | Verda Noble Care (HMO)Verda Health Plan of Texas · HMO4 of 254 counties · drug deductible $300Dental · eyewear $200/yr · OTC items $660/yr | $0 | $2,399 | $2,399 | 2★ |
| 4 | Alignment Health BRIDGE 013 (HMO-POS)Alignment Health Plan · HMO-POS1 of 254 counties · drug deductible $700Dental up to $1,800/yr · eyewear $250/yr · OTC items $900/yr | $0 | $2,800 | $2,800 | 4.5★ |
| 5 | Alignment Health ONE 011 (HMO-POS)Alignment Health Plan · HMO-POS2 of 254 counties · drug deductible $700Dental up to $2,200/yr · eyewear $100/yr · OTC items $480/yr | $0 | $2,800 | $2,800 | 4.5★ |
| 6 | 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 |
| 7 | 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★ |
| 8 | Prominence Plus (HMO)Prominence Health Plan · HMO8 of 254 counties · drug deductible $0Dental up to $2,600/yr · eyewear $200/yr · hearing aids $600/yr per ear · OTC items $600/yr | $0 | $3,000 | $3,000 | 4★ |
| 9 | Prominence Plus (HMO)Prominence Health Plan · HMO8 of 254 counties · drug deductible $0Dental up to $2,000/yr · eyewear $150/yr · hearing aids $600/yr per ear · OTC items $500/yr | $0 | $3,000 | $3,000 | 4★ |
| 10 | HealthSpring Preferred (HMO)HealthSpring · HMO4 of 254 counties · drug deductible $500Part B giveback $5/mo · Dental up to $3,000/yr · eyewear $225/yr · OTC items $300/yr | $0−$5 Part B giveback | $3,250 | $3,190 | 3.5★ |
| 11 | HealthSpring Preferred (HMO)HealthSpring · HMO2 of 254 counties · drug deductible $500Part B giveback $5/mo · Dental up to $3,100/yr · eyewear $300/yr · OTC items $180/yr | $0−$5 Part B giveback | $3,300 | $3,240 | 3.5★ |
| 12 | Prominence Extra Help (HMO)Prominence Health Plan · HMO8 of 254 counties · drug deductible $300Dental up to $2,000/yr · eyewear $175/yr · hearing aids $600/yr per ear · OTC items $660/yr | $0 | $3,250 | $3,250 | 4★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | Humana Gold Plus H0028-029 (HMO)Humana · HMO6 of 254 counties · drug deductible $700Dental up to $3,500/yr · eyewear $300/yr | $0 | $3,400 | $3,400 | 4.5★ |
| 16 | Humana Gold Plus H4461-060 (HMO)Humana · HMO6 of 254 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr | $0 | $3,400 | $3,400 | 4.5★ |
| 17 | Prominence Extra Help (HMO)Prominence Health Plan · HMO8 of 254 counties · drug deductible $300Dental up to $2,500/yr · eyewear $175/yr · hearing aids $600/yr per ear · OTC items $1,300/yr | $0 | $3,400 | $3,400 | 4★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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 |
| 21 | Wellcare Simple (HMO)Wellcare · HMO15 of 254 counties · drug deductible $700Dental up to $2,000/yr | $0 | $3,500 | $3,500 | 3.5★ |
| 22 | 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★ |
| 23 | Humana Gold Plus H0028-030 (HMO)Humana · HMO8 of 254 counties · drug deductible $700Part B giveback $22/mo · Dental up to $4,000/yr · eyewear $300/yr | $0−$22 Part B giveback | $3,900 | $3,636 | 4.5★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | Humana Gold Plus H0028-043 (HMO)Humana · HMO14 of 254 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $0 | $3,850 | $3,850 | 4.5★ |
| 27 | AARP Medicare Advantage Essentials from UHC TX-14 (HMO-POS)UnitedHealthcare · HMO-POS16 of 254 counties · drug deductible $595Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $3,900 | $3,900 | 4★ |
| 28 | AARP Medicare Advantage Essentials from UHC TX-22 (HMO-POS)UnitedHealthcare · HMO-POS27 of 254 counties · drug deductible $595Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $3,900 | $3,900 | 4★ |
| 29 | Aetna Medicare Prime Care (HMO)Aetna Medicare · HMO3 of 254 counties · drug deductible $400Dental up to $3,000/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $180/yr | $0 | $3,900 | $3,900 | 3★ |
| 30 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO11 of 254 counties · drug deductible $300Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $140/yr | $0 | $3,900 | $3,900 | 3★ |
| 31 | DEVOTED CORE 003 TX (HMO)Devoted Health · HMO15 of 254 counties · drug deductible $461Dental up to $4,000/yr · eyewear $300/yr · OTC items $400/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 32 | Humana Gold Plus H4461-058 (HMO)Humana · HMO8 of 254 counties · drug deductible $700Dental up to $4,000/yr · eyewear $200/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 33 | Wellcare Simple (HMO)Wellcare · HMO5 of 254 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $3,900 | $3,900 | 3.5★ |
| 34 | 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★ |
| 35 | 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★ |
| 36 | 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★ |
| 37 | 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★ |
| 38 | Humana Total Complete (HMO)Humana · HMO14 of 254 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $0 | $3,950 | $3,950 | 4.5★ |
| 39 | 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★ |
| 40 | Humana Gold Plus H0028-046 (HMO)Humana · HMO3 of 254 counties · drug deductible $700Dental up to $3,500/yr · eyewear $350/yr | $0 | $3,995 | $3,995 | 4.5★ |
| 41 | Humana Total Complete (HMO)Humana · HMO3 of 254 counties · drug deductible $700Dental up to $3,500/yr · eyewear $350/yr | $0 | $3,995 | $3,995 | 4.5★ |
| 42 | 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★ |
| 43 | 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★ |
| 44 | AARP Medicare Advantage Essentials from UHC TX-21 (HMO-POS)UnitedHealthcare · HMO-POS9 of 254 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,200 | $4,200 | 4★ |
| 45 | 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★ |
| 46 | Aetna Medicare Prime Care (HMO)Aetna Medicare · HMO3 of 254 counties · drug deductible $400Dental up to $3,000/yr · eyewear $275/yr · hearing aids $1,000/yr per ear · OTC items $260/yr | $0 | $4,200 | $4,200 | 3★ |
| 47 | Humana Gold Plus H0028-041 (HMO)Humana · HMO12 of 254 counties · drug deductible $700Dental up to $3,500/yr · eyewear $200/yr | $0 | $4,250 | $4,250 | 4.5★ |
| 48 | Humana Gold Plus H4461-055 (HMO)Humana · HMO12 of 254 counties · drug deductible $700Dental up to $3,500/yr · eyewear $200/yr | $0 | $4,250 | $4,250 | 4.5★ |
| 49 | Wellpoint Medicare Advantage Select (HMO-POS)Wellpoint · HMO-POS1 of 254 counties · drug deductible $0Dental up to $1,500/yr · eyewear $175/yr · hearing aids $3,000/yr · OTC items $120/yr | $0 | $4,250 | $4,250 | 3.5★ |
| 50 | Humana Gold Plus H0028-043 (HMO)Humana · HMO7 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 51 | Humana Gold Plus H4461-062 (HMO)Humana · HMO7 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 52 | Wellcare Simple (HMO)Wellcare · HMO7 of 254 counties · drug deductible $700Dental up to $1,500/yr | $0 | $4,400 | $4,400 | 3.5★ |
| 53 | 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★ |
| 54 | AARP Medicare Advantage Essentials from UHC TX-11 (HMO-POS)UnitedHealthcare · HMO-POS12 of 254 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,450 | $4,450 | 4★ |
| 55 | 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★ |
| 56 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO5 of 254 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $4,450 | $4,450 | 3★ |
| 57 | 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 |
| 58 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 254 counties · drug deductible $500Dental up to $3,000/yr · eyewear $300/yr · OTC items $320/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 59 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 254 counties · drug deductible $500Dental up to $5,000/yr · eyewear $200/yr · OTC items $160/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 60 | 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★ |
| 61 | HealthSpring Preferred (HMO)HealthSpring · HMO6 of 254 counties · drug deductible $500Dental up to $1,900/yr · eyewear $200/yr · OTC items $160/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 62 | Humana Gold Plus H4461-084 (HMO)Humana · HMO5 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 63 | 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★ |
| 64 | 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★ |
| 65 | Wellcare Simple (HMO)Wellcare · HMO29 of 254 counties · drug deductible $700Dental up to $1,000/yr · hearing aids $500/yr per ear | $0 | $4,500 | $4,500 | 3.5★ |
| 66 | Wellcare Simple (HMO)Wellcare · HMO11 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $4,500 | $4,500 | 3.5★ |
| 67 | DEVOTED CORE 067 TX (HMO)Devoted Health · HMO2 of 254 counties · drug deductible $650Dental up to $3,750/yr · eyewear $200/yr · OTC items $112/yr | $0 | $4,550 | $4,550 | 4.5★ |
| 68 | 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★ |
| 69 | Prominence Beyond (HMO-POS)Prominence Health Plan · HMO-POS8 of 254 counties · drug deductible $0Dental up to $3,050/yr · eyewear $150/yr · hearing aids $600/yr per ear | $0 | $4,700 | $4,700 | 4★ |
| 70 | 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★ |
| 71 | 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★ |
| 72 | Alignment Health Smart 012 (HMO-POS)Alignment Health Plan · HMO-POS2 of 254 counties · drug deductible $700Part B giveback $140/mo · Preventive dental · eyewear $100/yr | $0−$140 Part B giveback | $6,450 | $4,770 | 4.5★ |
| 73 | 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★ |
| 74 | AARP Medicare Advantage Essentials from UHC TX-26 (HMO-POS)UnitedHealthcare · HMO-POS23 of 254 counties · drug deductible $595Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $4,900 | $4,900 | 4★ |
| 75 | AARP Medicare Advantage Extras from UHC TX-27 (HMO-POS)UnitedHealthcare · HMO-POS27 of 254 counties · drug deductible $685Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $4,900 | $4,900 | 4★ |
| 76 | 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★ |
| 77 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO4 of 254 counties · drug deductible $300Part B giveback $180/mo · Dental up to $1,100/yr · eyewear $100/yr | $0−$180 Part B giveback | $7,150 | $4,990 | 3.5★ |
| 78 | Wellpoint Medicare Advantage Select (HMO-POS)Wellpoint · HMO-POS2 of 254 counties · drug deductible $0Dental up to $2,500/yr · eyewear $200/yr · hearing aids $3,000/yr · OTC items $280/yr | $0 | $5,000 | $5,000 | 3.5★ |
| 79 | Prominence Giveback (HMO)Prominence Health Plan · HMO8 of 254 counties · drug deductible $0Part B giveback $202.90/mo · Dental up to $750/yr · eyewear $100/yr · hearing aids $600/yr per ear · OTC items $100/yr | $0−$202.90 Part B giveback | $7,500 | $5,065 | 4★ |
| 80 | 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★ |
| 81 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO4 of 254 counties · drug deductible $300Part B giveback $134/mo · Dental up to $2,300/yr · eyewear $200/yr | $0−$134 Part B giveback | $6,775 | $5,167 | 3.5★ |
| 82 | Prominence Giveback (HMO)Prominence Health Plan · HMO8 of 254 counties · drug deductible $0Part B giveback $140/mo · Dental up to $750/yr · eyewear $100/yr · hearing aids $600/yr per ear | $0−$140 Part B giveback | $7,000 | $5,320 | 4★ |
| 83 | Humana Gold Plus H0028-037 (HMO)Humana · HMO7 of 254 counties · drug deductible $440Dental up to $3,000/yr · eyewear $150/yr | $0 | $5,350 | $5,350 | 4.5★ |
| 84 | Humana Gold Plus H4461-054 (HMO)Humana · HMO7 of 254 counties · drug deductible $440Dental up to $3,000/yr · eyewear $150/yr | $0 | $5,350 | $5,350 | 4.5★ |
| 85 | 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★ |
| 86 | AARP Medicare Advantage Extras from UHC TX-50 (HMO-POS)UnitedHealthcare · HMO-POS16 of 254 counties · drug deductible $235Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,400 | $5,400 | 4★ |
| 87 | DEVOTED CORE 014 TX (HMO)Devoted Health · HMO14 of 254 counties · drug deductible $461Dental up to $3,500/yr · eyewear $200/yr · OTC items $300/yr | $0 | $5,400 | $5,400 | 4.5★ |
| 88 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO8 of 254 counties · drug deductible $300Part B giveback $138/mo · Dental up to $5,000/yr · eyewear $150/yr | $0−$138 Part B giveback | $7,150 | $5,494 | 3.5★ |
| 89 | AARP Medicare Advantage Extras from UHC TX-28 (HMO-POS)UnitedHealthcare · HMO-POS9 of 254 counties · drug deductible $700Dental up to $5,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0 | $5,500 | $5,500 | 4★ |
| 90 | 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★ |
| 91 | 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★ |
| 92 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO8 of 254 counties · drug deductible $300Part B giveback $127/mo · Dental up to $5,000/yr · eyewear $300/yr · OTC items $160/yr | $0−$127 Part B giveback | $7,150 | $5,626 | 3.5★ |
| 93 | 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★ |
| 94 | 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★ |
| 95 | 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★ |
| 96 | DEVOTED CORE 073 TX (HMO)Devoted Health · HMO21 of 254 counties · drug deductible $650Dental up to $2,750/yr · eyewear $350/yr · OTC items $240/yr | $0 | $5,750 | $5,750 | 4.5★ |
| 97 | DEVOTED GIVEBACK EXTRAS 116 TX (HMO)Devoted Health · HMO15 of 254 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,250/yr · eyewear $350/yr · OTC items $1,076/yr | $0−$70 Part B giveback | $6,600 | $5,760 | 4.5★ |
| 98 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO2 of 254 counties · drug deductible $300Part B giveback $143/mo · Dental up to $5,000/yr · eyewear $150/yr | $0−$143 Part B giveback | $7,500 | $5,784 | 3.5★ |
| 99 | DEVOTED GIVEBACK EXTRAS 109 TX (HMO)Devoted Health · HMO14 of 254 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $250/yr · OTC items $664/yr | $0−$70 Part B giveback | $6,700 | $5,860 | 4.5★ |
| 100 | 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★ |
| 101 | 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★ |
| 102 | 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★ |
| 103 | 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★ |
| 104 | AARP Medicare Advantage Extras from UHC TX-52 (HMO-POS)UnitedHealthcare · HMO-POS12 of 254 counties · drug deductible $650Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 105 | AARP Medicare Advantage Giveback from UHC TX-40 (HMO-POS)UnitedHealthcare · HMO-POS9 of 254 counties · drug deductible $215Part B giveback $97/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$97 Part B giveback | $7,150 | $5,986 | 4★ |
| 106 | AARP Medicare Advantage from UHC TX-23 (HMO-POS)UnitedHealthcare · HMO-POS6 of 254 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,000 | $6,000 | 4★ |
| 107 | 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★ |
| 108 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO6 of 254 counties · drug deductible $300Part B giveback $121/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$121 Part B giveback | $7,500 | $6,048 | 3.5★ |
| 109 | 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★ |
| 110 | AARP Medicare Advantage Giveback from UHC TX-35 (HMO-POS)UnitedHealthcare · HMO-POS12 of 254 counties · drug deductible $165Part B giveback $76/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$76 Part B giveback | $7,150 | $6,238 | 4★ |
| 111 | DEVOTED GIVEBACK EXTRAS 110 TX (HMO)Devoted Health · HMO2 of 254 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $250/yr · OTC items $540/yr | $0−$70 Part B giveback | $7,150 | $6,310 | 4.5★ |
| 112 | DEVOTED GIVEBACK 048 TX (HMO)Devoted Health · HMO14 of 254 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $396/yr | $0−$184.70 Part B giveback | $8,550 | $6,334 | 4.5★ |
| 113 | Clover Health Choice (PPO)Clover Health · PPO7 of 254 counties · drug deductible $0Dental up to $1,500/yr · eyewear $200/yr · OTC items $160/yr | $0 | $6,350 | $6,350 | 5★ |
| 114 | AARP Medicare Advantage Giveback from UHC TX-39 (HMO-POS)UnitedHealthcare · HMO-POS27 of 254 counties · drug deductible $165Part B giveback $64/mo · Preventive dental · hearing aids $1,000/yr | $0−$64 Part B giveback | $7,150 | $6,382 | 4★ |
| 115 | Humana Value Choice (PPO)Humana · PPO21 of 254 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $6,500 | $6,500 | 4.5★ |
| 116 | DEVOTED GIVEBACK EXTRAS 112 TX (HMO)Devoted Health · HMO21 of 254 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $616/yr | $0−$70 Part B giveback | $7,350 | $6,510 | 4.5★ |
| 117 | DEVOTED CHOICE GIVEBACK 001 TX (PPO)Devoted Health · PPO14 of 254 counties · drug deductible $461Part B giveback $163.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$163.90 Part B giveback | $8,550 | $6,583 | 3.5★ |
| 118 | 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★ |
| 119 | AARP Medicare Advantage from UHC TX-0010 (HMO-POS)UnitedHealthcare · HMO-POS11 of 254 counties · drug deductible $685Dental up to $2,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0 | $6,700 | $6,700 | 4★ |
| 120 | AARP Medicare Advantage from UHC TX-62 (HMO-POS)UnitedHealthcare · HMO-POS6 of 254 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,700 | $6,700 | 4★ |
| 121 | Humana Value Choice (PPO)Humana · PPO14 of 254 counties · drug deductible $520Dental up to $2,500/yr · eyewear $300/yr | $0 | $6,700 | $6,700 | 4.5★ |
| 122 | HumanaChoice H5216-352 (PPO)Humana · PPO14 of 254 counties · drug deductible $520Dental up to $2,500/yr · eyewear $300/yr | $0 | $6,700 | $6,700 | 4★ |
| 123 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO41 of 254 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 124 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO18 of 254 counties · drug deductible $400Preventive dental · eyewear $125/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 125 | 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★ |
| 126 | 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★ |
| 127 | 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★ |
| 128 | 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★ |
| 129 | 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★ |
| 130 | Humana Value Choice (PPO)Humana · PPO8 of 254 counties · drug deductible $520Dental up to $2,000/yr · eyewear $300/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 131 | AARP Medicare Advantage CareFlex from UHC TX-44 (HMO-POS)UnitedHealthcare · HMO-POS27 of 254 counties · drug deductible $165Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 132 | AARP Medicare Advantage CareFlex from UHC TX-47 (HMO-POS)UnitedHealthcare · HMO-POS14 of 254 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 133 | AARP Medicare Advantage Essentials from UHC TX-12 (HMO-POS)UnitedHealthcare · HMO-POS14 of 254 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 134 | AARP Medicare Advantage Extras from UHC TX-48 (HMO-POS)UnitedHealthcare · HMO-POS23 of 254 counties · drug deductible $685Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 135 | AARP Medicare Advantage from UHC TX-0001 (PPO)UnitedHealthcare · PPO31 of 254 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3★ |
| 136 | AARP Medicare Advantage from UHC TX-0020 (HMO-POS)UnitedHealthcare · HMO-POS3 of 254 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 137 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO8 of 254 counties · drug deductible $400Dental up to $1,250/yr · eyewear $100/yr · hearing aids $750/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3★ |
| 138 | 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★ |
| 139 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO19 of 254 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 140 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO22 of 254 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 141 | 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★ |
| 142 | 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★ |
| 143 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO27 of 254 counties · drug deductible $400Dental up to $2,000/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 144 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO7 of 254 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 145 | 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★ |
| 146 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO5 of 254 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 147 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO2 of 254 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 148 | BSW SeniorCare Advantage Select Rx (HMO-POS)Baylor Scott & White Health Plan · HMO-POS34 of 254 counties · drug deductible $500Preventive dental · eyewear $115/yr · hearing aids $333/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 149 | BSW SeniorCare Advantage Select Rx (HMO-POS)Baylor Scott & White Health Plan · HMO-POS7 of 254 counties · drug deductible $500Preventive dental · eyewear $200/yr · hearing aids $400/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 150 | 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★ |
| 151 | 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★ |
| 152 | Humana Direct Choice Giveback (PPO)Humana · PPO2 of 254 counties · drug deductible $700Part B giveback $72/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$72 Part B giveback | $8,300 | $7,436 | 4★ |
| 153 | Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO22 of 254 counties · drug deductible $500Preventive dental · eyewear $125/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 154 | DEVOTED GIVEBACK 074 TX (HMO)Devoted Health · HMO21 of 254 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $200/yr | $0−$190 Part B giveback | $9,850 | $7,570 | 4.5★ |
| 155 | DEVOTED GIVEBACK 021 TX (HMO)Devoted Health · HMO15 of 254 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $800/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 4.5★ |
| 156 | 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★ |
| 157 | DEVOTED GIVEBACK 068 TX (HMO)Devoted Health · HMO2 of 254 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $9,850 | $8,434 | 4.5★ |
| 158 | AARP Medicare Advantage Giveback from UHC TX-41 (HMO-POS)UnitedHealthcare · HMO-POS23 of 254 counties · drug deductible $325Part B giveback $96/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$96 Part B giveback | $9,850 | $8,698 | 4★ |
| 159 | AARP Medicare Advantage Giveback from UHC TX-34 (PPO)UnitedHealthcare · PPO18 of 254 counties · drug deductible $140Part B giveback $88/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$88 Part B giveback | $9,850 | $8,794 | 3★ |
| 160 | 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★ |
| 161 | AARP Medicare Advantage Giveback from UHC TX-38 (HMO-POS)UnitedHealthcare · HMO-POS16 of 254 counties · drug deductible $140Part B giveback $63/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$63 Part B giveback | $9,850 | $9,094 | 4★ |
| 162 | AARP Medicare Advantage Extras from UHC TX-53 (HMO-POS)UnitedHealthcare · HMO-POS10 of 254 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $9,850 | $9,850 | 4★ |
| 163 | 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★ |
| 164 | Community First Medicare Advantage Alamo Plan (HMO)Community First · HMO1 of 254 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $60/yr | $0 | $9,850 | $9,850 | Not rated |
| 165 | Wellcare Simple Value (HMO)Wellcare · HMO65 of 254 counties · drug deductible $700Dental | $0 | $9,850 | $9,850 | 3.5★ |
| 166 | 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★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
No $0-premium plan with drug coverage in: Brewster, Brown, Childress, Coke, Collingsworth, Cottle, Culberson, Donley, Foard, Gaines, Hall, Hardeman, Hemphill, Irion, Jeff Davis, Kimble, King, Lipscomb, Loving, McCulloch, Mitchell, Ochiltree, Parmer, Reeves, Scurry, Terrell, Ward, Wilbarger, Winkler, Young.
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Texas Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Texas for 2027?
166 of the 209 general-audience Medicare Advantage plans with drug coverage in Texas have a $0 monthly plan premium for 2027. 30 counties have Advantage plans but none at $0.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Texas's $0 plans, the lowest in-network maximum is $1,500 and the median is $5,950.
Which $0 premium plan in Texas has the lowest worst-case cost?
MedCare Classic (HMO) from MedCare Partners Health Plan of Texas, with an in-network out-of-pocket maximum of $1,500. It is sold in 1 of 254 counties.
Do any $0 premium plans in Texas also have a Part B giveback?
Yes, 47 of them. See the Texas Part B giveback plans.
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.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All Texas Medicare Advantage plans, ranked →
- Part B giveback plans in Texas →
- Where $0 plans are disappearing in 2027 →
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