Medicare Advantage
Nine Medicare Advantage plans debut in Laredo for 2027: how to check one against your doctors
For 2027, Laredo is looking at 53 Medicare Advantage plans: 9 new, 20 gone since 2026, and 24 still here but changed on premium, deductible, plan type or name, 8 of them under a new name. Below, how the lineup shifted in Webb County and what to compare, with no plan ranked or recommended.
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Key takeaways
- Webb County has 9 Medicare Advantage plans new for 2027, from Aetna (CVS Health), HealthSpring, Humana, Prominence Health Plan and UnitedHealthcare.
- Eight of the nine new plans are Special Needs Plans (D-SNP, C-SNP or I-SNP); all nine include drug coverage.
- A brand-new plan has no Star Rating yet, because CMS calculates ratings from prior-year data — that is a program fact, not a reason to pick or skip it.
- You can check any plan against your own doctors and drug list at medicare.gov or by calling 1-800-MEDICARE before December 7, 2026.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Webb County (2026) | 64 | CMS |
| Medicare Advantage plans offered in Webb County (2027) | 53 | CMS |
| Plans not returning for 2027 / new for 2027 | 20 / 9 | CMS |
| Organizations offering Medicare Advantage in Webb County (2026) | 8 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Webb County | 64% | CMS |
| Residents age 65 and older, Webb County | 27,741 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
LAREDO, Texas — Nine Medicare Advantage plans are new to Webb County for the 2027 plan year, joining a lineup that renewing members will see described in their Annual Notice of Change this fall. The new plans come from five carriers, and most are Special Needs Plans designed for people with Medicare and Medicaid or specific health conditions. Because none of these plans existed in 2026, there is no local track record to lean on — so the work for a shopper is matching each one against your own doctors and prescriptions before the December 7, 2026 deadline.
What Medicare Advantage plans are new in Laredo for 2027?
Laredo is in Webb County, where 9 of the 53 Medicare Advantage plans offered for 2027 are brand new — meaning they were not sold in the county in 2026. Five carriers are adding plans: Aetna (CVS Health) with 1, HealthSpring with 2, Humana with 1, Prominence Health Plan with 1, and UnitedHealthcare with 4.
In alphabetical order by carrier, the new plans are:
- Aetna Medicare QMB Only Care (HMO D-SNP) — Aetna (CVS Health); with drug coverage
- HealthSpring Achieve Savings (HMO C-SNP) — HealthSpring; with drug coverage
- HealthSpring TotalCare Plus (HMO D-SNP) — HealthSpring; with drug coverage
- Humana Together in Health (PPO I-SNP) — Humana; with drug coverage
- Prominence Bridge (HMO D-SNP) — Prominence Health Plan; with drug coverage
- UHC Dual Advantage TX-V11 (HMO-POS D-SNP) — UnitedHealthcare; with drug coverage
- UHC Dual Complete TX-Q6 (HMO-POS D-SNP) — UnitedHealthcare; with drug coverage
- UHC Dual Complete TX-S6 (HMO-POS D-SNP) — UnitedHealthcare; with drug coverage
- UHC Dual Complete TX-YL2 (HMO-POS D-SNP) — UnitedHealthcare; with drug coverage
The table on this page lists every 2027 plan in Webb County, including those that are renewing or renamed.
What plan types are the new Laredo plans, and are any Special Needs Plans?
Of the nine new Webb County plans for 2027, eight are Special Needs Plans and all nine include Part D drug coverage. The plan types break down as: HMO D-SNP (one from Aetna, one from HealthSpring, one from Prominence), HMO C-SNP (one from HealthSpring), PPO I-SNP (one from Humana), and HMO-POS D-SNP (four from UnitedHealthcare).
Special Needs Plans are limited to specific groups. A D-SNP (Dual) is for people enrolled in both Medicare and Medicaid. A C-SNP (Chronic) is for people with qualifying conditions such as diabetes or heart disease. An I-SNP (Institutional) is for people who live in, or need the level of care provided by, a nursing facility or similar setting. If you don't fit the eligibility rules, these plans aren't the right match no matter how the benefits look.
How does a brand-new Medicare plan differ from one that is renewing?
A new plan is one CMS has approved for the first time in Webb County for 2027, so it has no claims history, no member-experience survey results and no Star Rating in this market yet. CMS calculates Star Ratings from prior-year performance data, so a new plan simply hasn't been in operation long enough to earn one. That is a program fact — it is neither a warning nor a selling point.
A renewing plan, by contrast, is a plan already offered in 2026 that will continue in 2027. If you're already enrolled, your carrier mails an Annual Notice of Change (ANOC) by late September spelling out what is different for next year — premium, drug list, provider network, extra benefits. If you do nothing, your current plan rolls over on January 1, 2027, with those changes in place.
For 2027 in Webb County, 20 plans are not returning, 9 are new, and 8 are renamed. If one of your plans is being renamed, your ANOC will say so; the plan ID stays the same even if the marketing name changes.
How do I check a new plan against my doctors and prescriptions before December 7?
The Medicare Plan Finder at medicare.gov is the one tool built for this. Create or sign in to your account, enter your ZIP code, and add your prescriptions (name, dose, how often you take them) and your preferred pharmacy. Plan Finder will then show each 2027 plan's drug coverage, tier placement and estimated yearly drug cost for your specific list. You can also add doctors to see which plans list them as in-network — but always confirm by calling the doctor's office and the plan directly, because online directories lag behind real life.
A few practical steps before December 7, 2026:
- Pull together your current prescriptions, your doctors and any specialists you see regularly.
- For a Special Needs Plan, confirm you meet the eligibility rule (Medicaid status, qualifying condition, or institutional level of care).
- Call the plan to confirm your doctors, hospital and preferred pharmacy are in the 2027 network — networks can change year to year.
- Ask the plan to confirm each of your drugs is on the 2027 formulary and whether prior authorization or step therapy applies.
- If you take high-cost drugs, ask about the Medicare Prescription Payment Plan, an optional way to spread Part D out-of-pocket costs across the year.
What else should Laredo shoppers know about 2027 costs?
CMS has confirmed a few 2027 Part D figures that apply to every Medicare drug plan nationwide: the Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input CMS uses, not what any specific plan charges.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes those figures in the fall, usually in November. We'll avoid guessing at numbers that aren't official.
The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027. If you do nothing and your current plan renews, you stay in it with the changes described in your ANOC.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Webb County
(MA penetration in Webb County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
New for 2027
Medicare Advantage plans new in Webb County for 2027
CMS lists 9 Medicare Advantage plans in Webb County for 2027 that were not offered for 2026, alphabetically by carrier.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 1 plan | |||
| Aetna Medicare QMB Only Care (HMO D-SNP) | HMO D-SNP | Yes | New |
| HealthSpring 2 plans | |||
| HealthSpring Achieve Savings (HMO C-SNP) | HMO C-SNP | Yes | New |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | New |
| Humana 1 plan | |||
| Humana Together in Health (PPO I-SNP) | PPO I-SNP | Yes | New |
| Prominence Health Plan 1 plan | |||
| Prominence Bridge (HMO D-SNP) | HMO D-SNP | Yes | New |
| UnitedHealthcare 4 plans | |||
| UHC Dual Advantage TX-V11 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete TX-Q6 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete TX-S6 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete TX-YL2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
HMO, PPO and Special Needs Plans in Webb County for 2027
- Aetna (CVS Health) 8 plans: HMO, PPO
- Centene (WellCare) 1 plan: HMO
- HealthSpring 8 plans: HMO
- Humana 11 plans: PPO
- Molina Healthcare of Texas, Inc. 1 plan: HMO
- Prominence Health Plan 7 plans: HMO
- Texas Independence Health Plan 2 plans: HMO
- UnitedHealthcare 15 plans: HMO-POS, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Do I have to switch to a new plan if one shows up in Laredo for 2027?
Why doesn't a new plan have a Star Rating?
Can anyone enroll in these new Special Needs Plans?
Where do I get personal help comparing plans?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Laredo
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the Webb County plan counts, carrier breakdowns, plan types and the list of new plans for 2027.
- CMS — Part D program parameters for 2027: the out-of-pocket cap, maximum deductible and national base beneficiary premium.
- Medicare.gov — Annual Enrollment Period dates, Plan Finder tool, and the Medicare Prescription Payment Plan.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.