Medicare Advantage plans in Harris County, Texas (2027)
Houston has 20 fewer plans open to everyone for 2027 than a year ago, and the cheapest cap now belongs to a local HMO in its first year.
Harris, Texas: plans open to everyone on Parts A and B
49 plans
33 with a $0 premium and drug coverage · out-of-pocket limits $1,500 to $9,850 · best rating 4.5★ · 23 plan IDs of 2026 not renewed here
49 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| MedCare Classic (HMO)MedCare Partners Health Plan of Texas · HMO · H5767-001-0 | $0 | $0 | $1,500 | new |
| Verda Noble Care (HMO)Verda Health Plan of Texas · HMO · H5163-001-0 | $0 | $300 | $1,599 | 2.0★ |
| SCAN Classic Texas (HMO)SCAN Health Plan · HMO · H8902-010-0 | $0 | $450 | $2,900 | too few data |
| Wellcare TexanPlus Classic Simple (HMO-POS)Wellcare · HMO-POS · H4506-003-0 | $0 | $700 | $3,400 | 4.0★ |
| SCAN Walmart Health Advantage (HMO)SCAN Health Plan · HMO · H8902-012-0 | $0 | $450 | $3,500 | too few data |
| Wellcare Simple (HMO)Wellcare · HMO · H0174-010-0 | $0 | $700 | $3,500 | 3.5★ |
| HealthSpring Alliance (HMO)HealthSpring · HMO · H4513-064-0 | $0 | $500 | $3,600 | 3.5★ |
| DEVOTED CORE 019 TX (HMO)Devoted Health · HMO · H7993-019-0 | $0 | $650 | $3,650 | 4.5★ |
| DEVOTED CORE 001 TX (HMO)Devoted Health · HMO · H7993-001-0 | $0 | $650 | $3,700 | 4.5★ |
| Humana Gold Plus H0028-042 (HMO)Humana · HMO · H0028-042-0 | $0 | $440 | $3,950 | 4.5★ |
| Humana Gold Plus H0028-072 (HMO)Humana · HMO · H0028-072-0 | $0 | $440 | $3,950 | 4.5★ |
| Humana Total Complete (HMO)Humana · HMO · H4461-049-0 | $0 | $440 | $3,950 | 4.5★ |
| Humana Total Complete (HMO)Humana · HMO · H4461-057-0 | $0 | $440 | $3,950 | 4.5★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H4513-061-1 | $0 | $500 | $4,000 | 3.5★ |
| KelseyCare Advantage Signature (HMO)KelseyCare Advantage · HMO · H0332-009-0 | $0 | $0 | $4,150 | 4.5★ |
| HealthSpring Courage (HMO)HealthSpring · HMO · H4513-009-0 | $0 | no drugs | $4,300 | 3.5★ |
| Aetna Medicare Prime Care (HMO)Aetna Medicare · HMO · H4523-024-0 | $0 | $400 | $4,450 | 3.0★ |
| Wellpoint Medicare Advantage Select 1 (HMO-POS)Wellpoint · HMO-POS · H8849-009-0 | $0 | $0 | $4,450 | 3.5★ |
| KelseyCare Advantage Core (HMO)KelseyCare Advantage · HMO · H0332-001-0 | $0 | no drugs | $4,500 | 4.5★ |
| AARP Medicare Advantage from UHC TX-001P (HMO-POS)UnitedHealthcare · HMO-POS · H4514-014-0 | $0 | $685 | $4,900 | 4.0★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H3288-051-0 | $0 | no drugs | $4,900 | 3.5★ |
| DEVOTED GIVEBACK EXTRAS 114 TX (HMO)Devoted Health · HMO · H7993-114-0 | $0 | $700 | $5,600 | 4.5★ |
| HumanaChoice R4182-001 (Regional PPO)Humana · Regional PPO · R4182-001-0 | $0 | no drugs | $6,000 | 3.5★ |
| AARP Medicare Advantage from UHC TX-0009 (HMO-POS)UnitedHealthcare · HMO-POS · H4514-007-0 | $0 | $685 | $6,700 | 4.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-154-0 | $0 | $700 | $6,800 | 3.0★ |
| Humana Value Choice (PPO)Humana · PPO · H7617-057-0 | $0 | $700 | $6,800 | 4.5★ |
| HumanaChoice H5216-043 (PPO)Humana · PPO · H5216-043-6 | $0 | $700 | $6,800 | 4.0★ |
| KelseyCare Advantage Freedom (HMO-POS)KelseyCare Advantage · HMO-POS · H0332-004-0 | $0 | $200 | $6,850 | 4.5★ |
| AARP Medicare Advantage from UHC TX-0015 (HMO-POS)UnitedHealthcare · HMO-POS · H4527-037-0 | $0 | $685 | $6,900 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx TX-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H4527-024-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H2293-016-0 | $0 | $700 | $7,150 | 3.5★ |
| Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO · H4523-015-0 | $0 | $400 | $7,150 | 3.0★ |
| HealthSpring Preferred Savings (HMO)HealthSpring · HMO · H4513-083-1 | $0 | $300 | $7,200 | 3.5★ |
| HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO · H4513-091-0 | $0 | $300 | $7,500 | 3.5★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-348-0 | $0 | no drugs | $7,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-062-0 | $0 | no drugs | $7,900 | 4.5★ |
| DEVOTED GIVEBACK 006 TX (HMO)Devoted Health · HMO · H7993-006-0 | $0 | $461 | $8,300 | 4.5★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-035-0 | $0 | $50 | $8,300 | 4.5★ |
| HumanaChoice Giveback H5216-358 (PPO)Humana · PPO · H5216-358-0 | $0 | $50 | $8,300 | 4.0★ |
| Humana Gold Choice H8145-126 (PFFS)Humana · PFFS · H8145-126-0 | $0 | no drugs | $9,850 | 3.5★ |
| Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS · H2593-029-0 | $0 | $105 | $9,850 | 3.0★ |
| DEVOTED PREMIUM 002 TX (HMO)Devoted Health · HMO · H7993-002-0 · was $4.80 in 2026 | $5 | $650 | $4,150 | 4.5★ |
| Aetna Medicare Value Plus (PPO)Aetna Medicare · PPO · H3288-003-0 · was $4.80 in 2026 | $6.30 | $700 | $7,150 | 3.5★ |
| AARP Medicare Advantage from UHC TX-4P (HMO-POS)UnitedHealthcare · HMO-POS · H4514-022-0 · was $34 in 2026 | $36 | $595 | $3,900 | 4.0★ |
| HumanaChoice R4182-004 (Regional PPO)Humana · Regional PPO · R4182-004-0 · was $44 in 2026 | $46 | $700 | $8,200 | 3.5★ |
| HumanaChoice H5216-042 (PPO)Humana · PPO · H5216-042-0 · was $60 in 2026 | $62 | $700 | $6,750 | 4.0★ |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · H3288-047-0 · was $45 in 2026 | $65 | $700 | $9,850 | 3.5★ |
| HumanaChoice R4182-003 (Regional PPO)Humana · Regional PPO · R4182-003-0 · was $97 in 2026 | $100 | $700 | $8,200 | 3.5★ |
| AARP Medicare Advantage from UHC TX-61 (Regional PPO)UnitedHealthcare · Regional PPO · R6801-012-0 · was $102 in 2026 | $138 | $685 | $9,850 | 3.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all Texas counties and drug plans
Harris County lost more open Medicare Advantage plans for 2027 than almost any large county: the CMS landscape file lists 49 plans open to anyone with Parts A and B, against 69 in 2026, after 23 plan IDs were not filed again and only 3 new ones arrived. Memorial Hermann's two Advantage plans, the four Erickson Advantage plans, and a long run of Blue Cross Medicare Advantage HMOs and PPOs are among the exits. The plans that remain still offer real choice: 33 include drug coverage at a $0 premium, and the median in-network cap is $6,000. The lowest cap, $1,500, belongs to MedCare Classic (HMO), a first-year plan from MedCare Partners Health Plan of Texas. 24 plans hold four stars or more, with KelseyCare Advantage Freedom (HMO-POS) at 4.5. Special needs plans outnumber open ones: 50, of which 23 for people with Medicare and Medicaid.
If your Houston plan is on the exit list
The insurer had to mail an Annual Notice of Change or a non-renewal letter by the fall of 2026. For a plan that ends, there are two clean options: pick a new plan between October 15 and December 7 so that coverage starts January 1 without a gap, or use the special enrollment period that a non-renewal opens, which runs into early 2027 (42 CFR 422.62). Doing nothing returns you to Original Medicare without drug coverage. The plan IDs that did not return are listed at the bottom of this page.
Days left in the annual change period
Days left to change for 2027
38
| Last day | December 7, 2026 |
| New plan starts | January 1, 2027 |
Newcomers have no star rating yet
MedCare Classic (HMO) has the cheapest cap here but no 2027 rating, because its contract is too new to be measured. A missing rating says nothing good or bad about quality. Larger names with history include Wellcare TexanPlus Classic Simple (HMO-POS), rated 4 stars with a $3,400 cap, and KelseyCare Advantage, tied to the Kelsey-Seybold clinics.
Insurers in Harris County
Humana Inc., 15; UnitedHealth Group, Inc., 9; Health Care Service Corporation, 6; CVS Health Corporation, 6; Devoted Health, Inc., 5; SCAN Group, 2. Humana alone files 15 of the 49 open plans, including several Part B giveback PPOs, which lower the Part B premium you pay.
Fort Bend, Montgomery and Galveston
Fort Bend County lists 40 open plans, Montgomery 43 and Galveston 33. Texas has 228 across all its counties. A move across one of those lines, from Pasadena to Sugar Land for instance, can change the list, so check your county again when you change address.
2026 plans not filed again here for 2027
These plan IDs were offered in Harris County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- Wellcare Assist (HMO) (Wellcare, H0174-009-0, insurer still present)
- Wellcare Giveback (HMO) (Wellcare, H0174-019-0, insurer still present)
- AARP Medicare Advantage from UHC TX-0006 (PPO) (UnitedHealthcare, H1278-014-0)
- AARP Medicare Advantage Giveback from UHC TX-31 (PPO) (UnitedHealthcare, H1278-021-0)
- AARP Medicare Advantage Patriot No Rx TX-MA05 (PPO) (UnitedHealthcare, H1278-027-0)
- Blue Cross Medicare Advantage Choice Premier (PPO) (Blue Cross and Blue Shield of NM, TX, H1666-003-0)
- Blue Cross Medicare Advantage Optimum (PPO) (Blue Cross and Blue Shield of NM, TX, H1666-022-0)
- Wellcare TexanPlus Patriot Giveback (HMO-POS) (Wellcare, H4506-010-0, insurer still present)
- Humana USAA Honor Giveback (PPO) (Humana, H5216-128-0, insurer still present)
- Erickson Advantage Signature (HMO-POS) (UnitedHealthcare, H5652-001-0)
- Erickson Advantage Liberty no Rx (HMO-POS) (UnitedHealthcare, H5652-002-0)
- Erickson Advantage Freedom (HMO-POS) (UnitedHealthcare, H5652-006-0)
- Erickson Advantage Liberty (HMO-POS) (UnitedHealthcare, H5652-008-0)
- Memorial Hermann Advantage (HMO) (Memorial Hermann Health Plan, H7115-001-0)
- Memorial Hermann Prime Value MA Only (HMO) (Memorial Hermann Health Plan, H7115-006-0)
- Wellcare Simple Open (PPO) (Wellcare, H7323-012-0)
- Blue Cross Medicare Advantage Basic (HMO) (Blue Cross and Blue Shield of Texas, H8133-001-0)
- Humana Gold Choice H8145-084 (PFFS) (Humana, H8145-084-0, insurer still present)
- Blue Cross Medicare Advantage Preferred (PPO) (Blue Cross and Blue Shield of IL, NM, OK, TX, H8634-033-0)
- SCAN MyChoice Texas (HMO) (SCAN Health Plan, H8902-011-0, insurer still present)
- Blue Cross Medicare Advantage Secure (HMO) (Blue Cross and Blue Shield of Texas, H9706-005-0)
- Blue Cross Medicare Advantage Dental Value (HMO) (Blue Cross and Blue Shield of Texas, H9706-007-0)
- Blue Cross Medicare Advantage Saver (HMO) (Blue Cross and Blue Shield of Texas, H9706-008-0)