Medicare Advantage

Every Medicare Advantage plan offered in El Paso for 2027 (full list)

El Paso County has 89 Medicare Advantage plans for 2027. Compared with 2026, 18 plans are not coming back, 16 are new, and 48 continuing plans changed in some way you should check before December 7, 19 of them under a new name. This guide covers what those numbers mean for El Paso, not which plan to pick.

Medicare AdvantageEl Paso, TX

If you live in El Paso and you're sorting through your Medicare choices for 2027, here is the full picture in one place. This article lists every Medicare Advantage plan available where you live, grouped by the company that offers it, with the plan type and whether it includes drug coverage. The complete roster appears in the table below.

Medicare Advantage availability is set at the county level, so a quick note on geography: El Paso is in El Paso County, and the plans below are the ones CMS lists for that county for the 2027 plan year. The data comes from the CMS Medicare Advantage Landscape Source File.

What's on the table for 2027

Twelve carriers are selling Medicare Advantage plans in El Paso County for 2027. Compared with 2026, 54 plans continue, 16 are new, 18 are not returning, and 19 have been renamed; 29 continuing plans change something in their terms, which the ANOC spells out. In alphabetical order, the carriers are Aetna (CVS Health), Alignment Health Plan, Blue Cross Blue Shield (HCSC), Centene (WellCare), Devoted Health, El Paso Health Medicare Advantage, Elevance Health (Anthem), Humana, Molina Healthcare of Texas, ProCare Advantage, Provider Partners Health Plans, and UnitedHealthcare.

The count of plans per carrier varies. Humana lists the most plans in the county at 24, followed by UnitedHealthcare with 15 and Blue Cross Blue Shield (HCSC) with 12. Others — Molina Healthcare of Texas, ProCare Advantage and Provider Partners Health Plans — offer a single plan each. The table below lists every plan by name.

Plan types, explained in plain English

The 91 plans in El Paso County break down by type this way: 43 HMO, 16 HMO-POS, 30 PPO and 2 PFFS. Here is what those letters mean:

• HMO (Health Maintenance Organization): You generally use a set network of doctors and hospitals and pick a primary care doctor. Referrals are common for specialists.
• HMO-POS (Point of Service): Like an HMO, but with limited ability to see some out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization): More flexibility to see providers outside the network, though in-network care usually costs less.
• PFFS (Private Fee-for-Service): The plan sets the payment terms; you can see any Medicare-approved provider who agrees to those terms.

Each plan's real network, rules and costs are set by the carrier — check the plan's Summary of Benefits before you enroll.

Drug coverage and Special Needs Plans

All 70 Medicare Advantage plans in El Paso County for 2027 include prescription drug coverage (these are called MA-PD plans). There are no stand-alone Part D plans listed as available for El Paso County in the 2027 CMS Landscape file — most people getting drug coverage locally will get it through their Medicare Advantage plan.

Of the 91 plans, 39 are Special Needs Plans (SNPs). SNPs are limited to people who meet certain conditions:

• D-SNPs are for people who have both Medicare and Medicaid.
• C-SNPs are for people with specific chronic conditions, such as diabetes or heart disease.
• I-SNPs are for people who live in a nursing home or need a similar level of care.

If you don't qualify for a SNP, you cannot enroll in one. If you do qualify, the plan is built around your situation.

Part D rules worth knowing for 2027

Even though your drug coverage comes bundled with your Advantage plan, the same federal Part D rules apply:

• The out-of-pocket cap on covered Part D drugs is $2,100 in 2026. Once you hit it, you pay $0 for covered drugs the rest of the year.
• The maximum Part D deductible a plan can charge in 2026 is $615.
• The old "donut hole" coverage gap was eliminated as of 2025, so Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the calendar year in monthly payments, at no extra charge. You have to opt in.
• Higher-income enrollees may pay an IRMAA surcharge on Part B and Part D. For 2026, IRMAA starts above $109,000 in income for a single filer (based on your prior tax return).

Key dates for El Paso enrollees

• October 15 – December 7: Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in an Advantage plan, you can switch to another Advantage plan or return to Original Medicare (and add a Part D plan) once during this window.

If you qualify for Extra Help, Medicaid or a Special Enrollment Period, you may be able to make changes at other times of the year.

How to compare plans without guessing

The list in this article tells you what is available; it does not tell you what is right for you. To compare specifics:

1. Go to medicare.gov/plan-compare and enter your ZIP code and your medications. The Plan Finder will show premiums, deductibles, copays, drug pricing and star ratings for each plan. 2. Read the plan's Summary of Benefits and Evidence of Coverage to check the network and the rules. 3. Confirm your doctors, hospital and pharmacy are in the plan's network before you switch. 4. Call 1-800-MEDICARE (1-800-633-4227), open 24 hours a day, 7 days a week, for free help. 5. Talk to the Texas State Health Insurance Assistance Program (SHIP), called the HICAP in Texas, for free, unbiased one-on-one counseling.