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Best Medicare Advantage Plans in Texas 2022

Searching for the best Medicare Advantage plans in Texas? Plan availability and costs are determined by the county you live in. Locate your county to discover how many plan options are available, along with costs for Medicare in Texas.

What are Medicare Advantage Plans?

Medicare Advantage (MA) plans, also referred to as Medicare Part C, are an alternative way to get your Medicare Part A and Part B coverage. Most Medicare Advantage plans include vision coverage and dental coverage. Some plans also provide enrollees innovative benefits such as wellness and healthcare planning, reduced cost-sharing, and rewards and incentive programs. These are plan benefits that Original Medicare (Parts A & B), alone, does not provide.

Based on your county service area, you could have a few options for Medicare Advantage plans or an overwhelming number of options—like 68 in Harris County. The table below highlights how many options might be available to you—depending on where you live.

Read more about the benefits of Medicare Advantage plans in Texas and when to enroll.

[Table] 2022 Number of Medicare Advantage Plans in Top 20 Texas Counties



Texas County



Most Populous City



Number of Plans Available in 2022


Harris County

Houston


68 plans (55 in 2021)

Dallas County

Dallas

60 plans  (50 in 2021)

Bexar County

San Antonio


56 plans (46 in 2021)

Tarrant County

Fort Worth

58 plans (45 in 2021)

Travis County

Austin

37 plans (26 in 2021)

El Paso County

El Paso

45 plans (38 in 2021)

Collin County

Plano

61 plans (47 in 2021)

Hidalgo County

McAllen

38 plans (29 in 2021)

Denton County

Denton

56 plans (46 in 2021)

Fort Bend County

Sugar Land

63 plans (48 in 2021)

Montgomery County

Conroe

61 plans (47 in 2021)

Williamson County

Round Rock

47 plans (36 in 2021)

Cameron County

Brownsville

35 plans (27 in 2021)

Nueces County

Corpus Christi

32 plans (24 in 2021)

Galveston County

League City

53 plans (39 in 2021)

Bell County

Killeen

29 plans (20 in 2021)

Brazoria County

Pearland

42 plans (29 in 2021)

Lubbock County

Lubbock

22 plans (18 in 2021)

Smith County

Tyler

23 plans (17 in 2021)

McLennan County

Waco

30 plans (21 in 2021)

Source: CMS, 2022 MA Landscape Source Files

Medicare Advantage plans could help you control costs and have extra benefits. No wonder they are a popular choice for older Americans in Texas and across the United States. In Texas, 48% of Texans chose to enroll in a Medicare Advantage plan as of April 2022. Wondering what percentage are enrolling in a Medicare Advantage plan in your county?

In 2022, the 10 Texas counties with the highest Medicare Advantage enrollment are El Paso County (69%), Hidalgo County (68%), Starr County (67%), Willacy County (65%), Cameron County (63%), San Patricio County (62%), Jim Wells County (62%), Zavala County (62%), Kleberg County (61%), and Nueces County (61%).

These counties are all well above the national and Texas state average (48%) for Medicare Advantage plan enrollment. The table below shows the counties with the most Medicare beneficiaries, along with the population and percentage of Medicare Advantage enrollment. Scroll down to see if your county is listed.

[Table] 2022 Top 20 Most Populous Medicare-eligible Texas Counties & Medicare Advantage Plan Enrollment



Texas County



Total Number of Medicare Beneficiaries



Medicare Advantage Enrollment (Population)



Medicare Advantage Enrollment 


Harris County

581,520

333,071

57%

Dallas County

332,192

164,522

50%

Bexar County

309,139

167,105

54%

Tarrant County

288,747

153,926

53%

Travis County

146,015

59,295

41%

El Paso County

136,542

94,275

69%

Collin County

132,758

52,367

39%

Denton County

111,010

47,120

42%

Hidalgo County

110,427

75,564

68%

Fort Bend County

109,313

55,298

51%

Montgomery County

99,443

49,532

50%

Williamson County

88,336

37,114

42%

Cameron County

66,645

41,813

63%

Nueces County

62,307

37,761

61%

Galveston County

60,834

28,448

47%

Bell County

60,834

28,448

46%

Brazoria County

54,973

27,134

49%

Lubbock County

48,772

23,512

48%

Smith County

47,711

20,491

43%

McLennan County

46,338

22,641

49%

Source: CMS, MA State/County Penetration 2022 03

What Are Your Medicare Advantage Plan Options in Texas?

In Texas, there are two primary types of Medicare Advantage plans; either a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO). HMOs and PPOs use networks of hospitals, doctors, and other healthcare professionals.

Both plan types are available through private insurance companies that contract with Medicare. To be eligible for a Medicare Advantage HMO or PPO, you must have Medicare Part A and Part B and live in the plan’s service area. For both plans, prescription drug coverage is usually included, and plans may have preferred pharmacy networks.

Learn more about your Medicare Advantage plan options in Texas.

How Much Do Medicare Advantage Plans Cost in Texas?

The lowest monthly premium for a Medicare Advantage plan is $0. In 2022, the average monthly Medicare Advantage premium for those with a premium is $10.68. That’s down from $11.11 in 2021. For Medicare Advantage Prescription Drug (MAPD) plans nationwide, the premiums vary by plan type.

In 2020, the Kaiser Family Foundation noted that premiums average $20 per month for HMOs, $32 per month for a local PPO, and $47 per month for regional PPOs. Nearly 61% of Medicare Advantage beneficiaries enrolled in an HMO, 33% were in local PPOs, while only 5% were enrolled in regional PPO plans. 

2022 Medicare Advantage plan enrollees in Texas

When you enroll in a Medicare Advantage or MAPD plan, you’ll be responsible for out-of-pocket costs, including premiums, health and prescription drug coverage deductibles, and copays. You’ll continue to pay your Original Medicare Part B premium to Medicare or by a monthly withdrawal from your Social Security Benefit. Medicare Advantage and MAPD premiums are paid directly to the plan provider.

Plan costs vary widely and are subject to the county in which you live. Below you’ll find a table with the top 20 most populous Medicare-eligible Texas counties.

Review the table to see how many Medicare Advantage plans with a $0 premium are available in your county, the plan premium range, the annual Part D deductible range, and the maximum out-of-pocket maximum per year.

Are you not sold on a Medicare Advantage plan? Are you considering keeping Original Medicare Parts A & B but need a plan to cover the unpredictability of out-of-pocket costs? Read more about Medicare Supplement plans in Texas.

[Table] 2022 Average Medicare Advantage Plan Costs in the Top 20 Counties in Texas



Texas County



Number of Plans With $0 Premium



Monthly Plan Premium Range



Annual Part D Drug Deductible Range



In-Network Out-of-Pocket Maximum per Year Range


Harris County

50

$0 – $216

$100 – $480

$2,600 – $7,550

Dallas County

43

$0 – $216

$125 – $480

$2,500 – $7.550

Bexar County

42

$0 – $216

$125 – $480

$2,999 – $7,550
Tarrant County

41


$0 – $216

$125 – $480

$2,500 – $7,550
Travis County
27 $0 – $216
$100 – $480
$2,900 – $7,550

El Paso County
34
$0 – $216

$175 – $445

$2.900 – $7,550

Collin County
44
$0 – $216

$125 – $480

$2,500 – $7,550

Hidalgo County
27
$0 – $216

$125 – $480

$2,000 – $7,550

Denton County
40
$0 – $216

$125 – $480

$2,500 – $7,550
Fort Bend County
47
$0 – $216

$100 – $480

$2,999 – $7,550
Montgomery County
46
$0 – $216

$100 – $480

$2,999 – $7,550
Williamson County
30
$0 – $255

$50 – $480

$2,900 – $7,550
Cameron County
24
$0 – $216

$125 – $480

$3,200 – $7,550
Nueces County
22
$0 – $216

$150 – $480

$2,999 – $7,550
Galveston County
39
$0 – $216

$100 – $480

$3,000 – $7,550
Bell County
18
$0 – $255

$50 – $480

$2,900 – $7,550
Brazoria County
32
$0 – $216

$100 – $480

$3,000 – $7,550
Lubbock County
14
$0 – $97

$175 – $480

$3,450 – $7,550
Smith County
17
$0 – $94

$125 – $480

$4,400 – $7,550
McLennan County
18
$0 – $255

$50 – $480

$2,900 – $7,550

Source: CMS, 2022 MA Landscape Source Files

What is the Best Medicare Advantage Plan in Texas?

There isn’t a one-size-fits-all or “best” Medicare Advantage plan in Texas or anywhere in the U.S. If there’s a source telling you there is, they aren’t looking out for what’s best for your health and finances. Your Medicare health plan choice will come down to a mix of cost and benefits—and should be tailored to your needs.

Agent tip:

“There isn’t a one-size-fits-all or ‘best’ Medicare Advantage plan in Texas. If there’s a source telling you there is, they aren’t looking out for what’s best for your health and finances.“

If the lowest premium possible is your primary concern, then a Medicare Advantage HMO plan might be the best health insurance choice for you. Your costs are generally lower than a PPO. However, if having maximum flexibility is most important, you may choose a Medicare Advantage PPO with slightly higher costs.

While determining which is essential, you’ll also want to weigh whether maintaining existing relationships with doctors, hospitals, or other care providers is vital to your health care. You’ll want to check if your preferred healthcare providers are participating in the Medicare Advantage plan’s network before committing.

There is a lot to consider. Do you need help ensuring that you pick a plan that’s the right mix of costs and benefits, or ensuring you have access to existing providers and prescriptions? Have a local Medicare agent guide you through the process.

Speak with a local Medicare agent to find a Medicare Advantage plan that’s the optimal fit for your budget and health needs. Call (623) 223-8884 or review your Medicare plan options online.

The Medicare Advantage Star Rating System

Did you know that every Medicare Advantage plan is rated annually? The Centers for Medicare & Medicaid Services (CMS) publishes Medicare Advantage (Medicare Part C) Star Ratings every year.

The Star Rating system measures the quality of health and prescription drug services received by Medicare beneficiaries enrolled in the plans. The plans are measured by five categories, on a scale of 1 to 5—with 5 being the best: customer service, preventative care, managing chronic conditions, plan responsiveness, and member complaints, including those when leaving the plan. The Star Rating system can help narrow your Medicare plan choices.

In 2022, there are 6 Medicare Advantage plans and 23 Medicare Advantage Prescription Drug plans with a 5 out of 5-star rating.

We advise that you always search for a plan based on your health needs and budget, not because a plan received a 5-star rating from CMS. However, if there are 5-star rated plans available that fit your priorities then you can use a 5-Star Special Enrollment Period to make a plan change.

Make sure you choose a plan that’s right for your health and budget. A local Medicare agent can help you maintain relationships with your doctors and the prescription drugs you depend on.

Call (623) 223-8884 to find the “best” plan—tailored to you. Or review your Medicare plan options online now. 

Last updated May 3, 2022.

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(623) 223-8884 (TTY: 711) Mon-Fri 8am-6pm
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Read more by Sid Martinez

I am a Spanish-speaking Texas Life and Health Insurance Licensed Agent and have been helping people with Medicare since 2011. When not working, you can find me exploring new places in the Lone Star State, or watching movies and TV shows.

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Speak with a local licensed insurance agent
David Luna Co-founder and
Licensed Insurance Agent
(623) 223-8884 (TTY: 711) Mon-Fri 8am-6pm
There's no obligation to enroll

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