Medicare Advantage

Frisco's 2027 Medicare Advantage menu: 12 carriers

People in Frisco can choose from 81 Medicare Advantage plans for 2027, against 97 this year. 37 of this year’s plans are gone, 21 are new to Collin County, and 30 that continue have changed their premium, deductible, plan type or name, 9 of them under a new name.

FRISCO, Texas — If you live in Frisco and you're comparing Medicare Advantage plans for 2027, the first thing worth knowing is that plan availability isn't set by ZIP code or city — it's set by county. Frisco sits mostly in Collin County, and Collin County's 2027 Medicare Advantage lineup, according to the CMS Medicare Advantage Landscape Source File, includes 72 plans from 12 different carriers. Every one of those plans includes prescription drug coverage.

The full carrier-by-carrier list is in the table below. This article walks you through how to read it — which carriers are offering what, which plan types are in the mix, and what "SNP" means when you see it next to a plan name.

What's on the Frisco-area menu for 2027

Twelve carriers file Medicare Advantage plans in Collin County for 2027. In alphabetical order, they are:

• Aetna (CVS Health) — 9 plans (HMO, PPO; 4 SNPs)
• American Health Advantage of Texas — 1 plan (HMO; 1 SNP)
• Baylor Scott & White Health Plan — 4 plans (HMO-POS, PPO)
• Blue Cross Blue Shield (HCSC) — 17 plans (HMO, PPO; 2 SNPs)
• Centene (WellCare) — 7 plans (HMO; 4 SNPs)
• Elevance Health (Anthem) — 6 plans (HMO, HMO-POS; 5 SNPs)
• Humana — 22 plans (HMO, PFFS, PPO; 6 SNPs)
• Molina Healthcare of Texas — 1 plan (HMO; 1 SNP)
• ProCare Advantage — 3 plans (HMO-POS; 3 SNPs)
• Provider Partners Health Plans — 1 plan (HMO; 1 SNP)
• UnitedHealthcare — 24 plans (HMO-POS, PPO; 10 SNPs)
• Verda Health Plan of Texas — 2 plans (HMO; 1 SNP)

The table below on this page lists every plan by name, its plan type, and confirms drug coverage.

Reading the plan types

Every 2027 Medicare Advantage plan in Collin County falls into one of four types, and the type tells you a lot about how you'll use the plan day to day.

HMO (Health Maintenance Organization). You pick a primary care doctor and stay in-network except in emergencies. Referrals are usually needed for specialists. Thirty-seven of the county's plans are HMOs.

HMO-POS (HMO with a Point-of-Service option). Like an HMO, but with limited coverage for some out-of-network services. Twenty-six plans are HMO-POS.

PPO (Preferred Provider Organization). More flexibility to see out-of-network providers, usually at a higher cost share. Thirty-two plans are PPOs, including some "Regional PPO" filings.

PFFS (Private Fee-for-Service). You can see any Medicare-approved provider that agrees to the plan's terms. There are 2 PFFS plans in the county — both from Humana.

What "SNP" means on the list

Thirty-eight of the county's 97 plans are Special Needs Plans, or SNPs. They're regular Medicare Advantage plans, but only for people who meet the specific eligibility rules:

• D-SNP — for people who have both Medicare and Medicaid ("dual eligibles"). Examples in Collin County include Aetna Medicare Dual Care, Blue Cross Medicare Advantage Dual Care Plus, HealthSpring TotalCare, Wellpoint Dual Advantage, Molina Medicare Complete Care and several UHC Dual Complete plans.
• C-SNP — for people with certain chronic conditions such as diabetes, heart disease or kidney disease. Examples include Aetna Medicare Prime Chronic Total, Humana Gold Plus – Diabetes and Heart, Wellpoint Kidney Care, ProCare Advantage – Kidney Care and Verda Noble Chronic Care.
• I-SNP — for people living in an institution such as a nursing home, or who need that level of care at home. Examples include American Health Advantage of Texas, Provider Partners Texas Advantage Plan, Humana Together in Health, Erickson Advantage Guardian and UHC Nursing Home Plan.

If you don't fit an SNP's eligibility rule, you can't join that plan — even if you see it in the list.

Drug coverage is built in — but the Part D rules still apply

All 72 Medicare Advantage plans in Collin County for 2027 include Part D prescription drug coverage. That's why the CMS landscape file also shows zero stand-alone Part D plans marketed alongside them here — MA-PD plans and stand-alone PDPs are counted separately, and this article is about the MA-PD side.

A few program-level Part D facts apply no matter which plan you land on for 2027:

• The annual out-of-pocket cap on covered Part D drugs is $2,100 in 2026 ($2,400 in 2027).
• The maximum Part D deductible any plan can charge is $615 in 2026 ($700 in 2027).
• The old coverage gap ("donut hole") is gone as of 2025; Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly installments if you choose.
• IRMAA (higher Part B and Part D premiums for higher-income enrollees) kicks in above $109,000 in income for a single filer in 2026.

Dates to keep on the fridge

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. This is when most people compare, switch or drop Medicare Advantage and Part D plans for the coming year.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in an MA plan on Jan. 1, you get one chance during this window to switch to a different MA plan or return to Original Medicare (and pick up a stand-alone Part D plan).

How to compare without getting overwhelmed

Ninety-seven plans is a lot. A few practical steps:

1. Start with your doctors and your prescriptions. Any plan that doesn't cover both is off the list. 2. Decide how much flexibility you want. HMO and HMO-POS plans tend to have tighter networks; PPO and PFFS give more room to roam. 3. If you qualify for Medicaid, have a qualifying chronic condition, or live in a nursing facility, look at the SNP options — they're designed around those situations. 4. Use the Medicare Plan Finder at medicare.gov to see the premium, deductible, drug prices and star rating for each plan side by side. That's the official source for the numbers this article intentionally doesn't quote.