Medicare Advantage

Shopping Medicare Advantage in Irving? Here's every 2027 plan, by carrier

Dallas County has 84 Medicare Advantage plans for 2027. Compared with 2026, 29 plans are not coming back, 20 are new, and 31 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Irving, not which plan to pick.

Every 2027 Medicare Advantage plan available in Irving, TX, grouped by carrier, with plan type and whether it includes Part D drug coverage.

If you live in Irving and you're weighing a Medicare Advantage plan for 2027, the good news is you have a lot to choose from. The tricky part is sorting through it all. To make that easier, the table on this page lists every Medicare Advantage plan available to Irving residents for the 2027 plan year, grouped by carrier, with each plan's type and whether it includes drug coverage.

Irving is in Dallas County, and Medicare Advantage availability is set at the county level. That means the plans a Dallas County ZIP code can access are the same lineup used to build this list. According to the CMS Medicare Advantage Landscape Source File for 2027, Dallas County has 75 Medicare Advantage plans from 12 carriers, and all 75 include prescription drug coverage.

What the 2027 Irving lineup looks like

The full plan list appears in the table below. In alphabetical order by carrier, the 12 companies offering Medicare Advantage in Dallas County for 2027 are:

• Aetna (CVS Health): 8 plans
• American Health Advantage of Texas: 1 plan
• Baylor Scott & White Health Plan: 4 plans
• Blue Cross Blue Shield (HCSC): 17 plans
• Centene (WellCare): 6 plans
• Elevance Health (Anthem): 6 plans
• Humana: 26 plans
• Molina Healthcare of Texas, Inc.: 1 plan
• ProCare Advantage: 3 plans
• Provider Partners Health Plans: 1 plan
• UnitedHealthcare: 18 plans
• Verda Health Plan of Texas: 2 plans

Every one of these plans includes prescription drug coverage. That's worth flagging because Dallas County has no stand-alone Part D drug plans in the CMS 2027 landscape file — so if you want a Medicare Advantage plan in Irving, you'll be picking one that already bundles Part D in.

Plan types, in plain English

The letters after each plan name in the table tell you how the plan works. Here's the short version.

HMO (Health Maintenance Organization). You pick a primary care doctor and generally stay in the plan's network. Referrals are often required to see specialists.

HMO-POS (HMO with a Point-of-Service option). Like an HMO, but with some ability to go out of network for certain services, usually at a higher cost. Dallas County has 20 HMO-POS plans.

PPO (Preferred Provider Organization). More flexibility to see out-of-network doctors, typically at a higher cost share. Referrals usually aren't required. Dallas County has 35 PPOs, including some regional PPOs.

PFFS (Private Fee-for-Service). You can see any Medicare-approved provider who agrees to the plan's payment terms. Dallas County has 2 PFFS plans, both from Humana.

About Special Needs Plans (SNPs)

Of the 93 plans in the county, 35 are Special Needs Plans. SNPs are built for people who fit a specific situation:

• D-SNP (Dual Eligible): for people who have both Medicare and Medicaid.
• C-SNP (Chronic Condition): for people with certain chronic conditions, such as diabetes, heart conditions or chronic kidney disease.
• I-SNP (Institutional): for people who live in a nursing home or need that level of care.

You'll see these labels throughout the table — for example, plans like Aetna Medicare Dual Care (HMO D-SNP), Humana Gold Plus – Diabetes and Heart (HMO C-SNP), Provider Partners Texas Advantage Plan (HMO I-SNP), and UHC Nursing Home Plan TX-F001 (PPO I-SNP). You can only enroll in an SNP if you qualify for its category, so most shoppers won't be choosing from all 93 — the field narrows once you match plans to your situation.

How to narrow the list

With 93 plans on the table, a few filters help most people cut it down quickly:

1. Rule out SNPs you don't qualify for. That alone removes 35 plans for shoppers who aren't dual-eligible, don't have a qualifying chronic condition, and aren't in an institutional setting. 2. Pick a plan type that fits how you use care. If you want maximum flexibility to see out-of-network doctors, PPOs and PFFS plans tend to lean that way. If you prefer a coordinated, in-network experience, HMO and HMO-POS plans are built for that. 3. Check the doctor and hospital network. Each plan sets its own network. Confirm your doctors and preferred hospitals participate before you enroll. 4. Check the drug formulary. All 93 plans include Part D, but each has its own list of covered drugs, tiers and pharmacy rules.

The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. The Part D maximum deductible is $615 in 2026 and $700 in 2027. The coverage gap ("donut hole") was eliminated in 2025, so Part D now has three phases instead of four. If your drug costs are lumpy across the year, the Medicare Prescription Payment Plan lets you spread them into monthly bills — you can ask any plan about opting in.

Enrollment dates to keep in mind

• Annual Enrollment Period: October 15 – December 7, 2026. This is when you can join, switch or drop a Medicare Advantage or Part D plan for 2027.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to another Medicare Advantage plan or return to Original Medicare.

Other Special Enrollment Periods may apply if you move, lose other coverage, or qualify for Extra Help or Medicaid.

Where to check plan details

This article doesn't compare premiums, copays, star ratings or benefits — those change and are best pulled directly from the source for your ZIP code. Two reliable stops:

• medicare.gov/plan-compare — the official Medicare Plan Finder shows premiums, deductibles, drug pricing at your pharmacy, and star ratings for every plan in Irving.
• The plan's own Summary of Benefits and Evidence of Coverage — these documents spell out what's covered and at what cost.

If you want free, unbiased help, Texas has a State Health Insurance Assistance Program (SHIP), called the Health Information, Counseling and Advocacy Program (HICAP). You can also call 1-800-MEDICARE (1-800-633-4227), 24/7.