Medicare Advantage

Before you pick a 2027 Dallas Medicare Advantage plan

People in Dallas can choose from 84 Medicare Advantage plans for 2027, against 93 this year. 29 of this year’s plans are gone, 20 are new to Dallas County, and 31 that continue have changed their premium, deductible, plan type or name, 9 of them under a new name.

Medicare AdvantageDallas, TX

Open enrollment is here, and Dallas residents shopping for 2027 Medicare Advantage coverage have a menu to sort through. Dallas sits in Dallas County, where the Centers for Medicare & Medicaid Services (CMS) shows 75 Medicare Advantage plans offered for the 2027 plan year, spread across 12 carriers. Below, we walk through the lineup carrier by carrier, with each plan's type and whether it includes drug coverage. The full roster is in the table on this page.

What's on offer in Dallas County for 2027

According to the CMS Medicare Advantage Landscape Source File, the 93 plans available in Dallas County break down by type as follows: 36 HMO plans, 20 HMO-POS plans, 35 PPO plans and 2 PFFS plans. Of those, 35 are Special Needs Plans (SNPs) — coverage limited to people who qualify because they have both Medicare and Medicaid (D-SNP), a qualifying chronic condition (C-SNP), or live in an institution or need that level of care (I-SNP).

Every 2027 Advantage plan offered in Dallas County includes Part D prescription drug coverage. CMS shows zero stand-alone Part D plans built specifically for this county's landscape file, so if you want an Advantage plan, drug coverage is baked in.

Carrier-by-carrier snapshot

Here is the count and plan-type mix for each of the 12 carriers offering Medicare Advantage plans in Dallas County for 2026, in alphabetical order. The table below lists every plan by name.

• Aetna (CVS Health): 8 plans (HMO, PPO; 4 Special Needs)
• American Health Advantage of Texas: 1 plan (HMO; 1 Special Needs)
• Baylor Scott & White Health Plan: 4 plans (HMO-POS, PPO)
• Blue Cross Blue Shield (HCSC): 17 plans (HMO, PPO; 2 Special Needs)
• Centene (WellCare): 6 plans (HMO; 3 Special Needs)
• Elevance Health (Anthem): 6 plans (HMO, HMO-POS; 5 Special Needs), sold under the Wellpoint brand
• Humana: 26 plans (HMO, PFFS, PPO; 6 Special Needs)
• Molina Healthcare of Texas, Inc.: 1 plan (HMO; 1 Special Needs)
• ProCare Advantage: 3 plans (HMO-POS; 3 Special Needs)
• Provider Partners Health Plans: 1 plan (HMO; 1 Special Needs)
• UnitedHealthcare: 18 plans (HMO-POS, PPO; 8 Special Needs)
• Verda Health Plan of Texas: 2 plans (HMO; 1 Special Needs)

The largest lineups belong to Humana, UnitedHealthcare and Blue Cross Blue Shield (HCSC). Smaller and more specialized carriers — American Health Advantage of Texas, Molina, ProCare Advantage, Provider Partners and Verda — focus mostly on Special Needs populations.

What plan type means

You'll see four plan types in the Dallas County table. Each works a little differently:

• HMO (Health Maintenance Organization): You generally use in-network doctors and often need a referral to see a specialist.
• HMO-POS (Point of Service): An HMO with a limited option to see some out-of-network providers.
• PPO (Preferred Provider Organization): More flexibility to use out-of-network doctors, usually at a higher cost share.
• PFFS (Private Fee-for-Service): The plan sets what it pays and what you pay; providers choose whether to accept the plan's terms.

If a plan name ends in D-SNP, C-SNP or I-SNP, it's a Special Needs Plan with eligibility limits. You can't enroll in a D-SNP without Medicaid, for example.

Drug coverage and 2027 Part D rules

Because all 75 Dallas County Advantage plans include Part D, it's worth knowing what changes for 2027 on the drug side:

• The Part D out-of-pocket cap is $2,100 for 2026. Once you hit that, you pay nothing more for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027). Plans can set a lower deductible, or none, but no plan can set it higher.
• The coverage gap (the old "donut hole") is gone as of 2025. Part D now has three phases: deductible, initial coverage and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your drug costs into level monthly payments rather than paying big amounts at the pharmacy counter. It's optional and free to opt into.
• IRMAA — the income-related surcharge on Part B and Part D premiums — kicks in above $109,000 in income for a single filer in 2026.

For the specific formulary, pharmacy network, deductible and copays on any plan in the Dallas table, use the Medicare Plan Finder at medicare.gov or the plan's own documents. We can't publish those details for individual plans here.

Enrollment dates to keep in mind

• Annual Enrollment Period (AEP): Oct. 15 – Dec. 7, 2026. You can join, switch or drop a Medicare Advantage or Part D plan; changes take effect Jan. 1, 2027.
• Medicare Advantage Open Enrollment Period: Jan. 1 – March 31, 2027. If you're already in an Advantage plan, you can make one change — switch to a different Advantage plan or go back to Original Medicare (and add a Part D plan).
• Certain life events (moving, losing other coverage, qualifying for Medicaid) can open a Special Enrollment Period outside these windows.

How to compare what's actually in the table

With 93 plans and 12 carriers, it helps to narrow the field before you dig in:

1. Check whether your doctors and preferred hospitals are in a given plan's network. 2. Look up your prescriptions on each plan's formulary. 3. Note whether the plan is an HMO, HMO-POS, PPO or PFFS — that shapes how you'll use it. 4. If you have both Medicare and Medicaid, or a qualifying chronic condition, look at the D-SNP or C-SNP options. 5. Compare total expected costs — premium, deductible, copays — not just the monthly premium.

Free help is available. Texas's State Health Insurance Assistance Program (SHIP) — called the Texas Health Information, Counseling and Advocacy Program (HICAP) — offers one-on-one counseling at no cost. You can also call 1-800-MEDICARE (1-800-633-4227), 24/7.