Medicare Advantage
UnitedHealthcare's 2027 Medicare Advantage plans in Laredo: four new, four not returning
LAREDO, Texas — As Annual Enrollment 2027 opens, UnitedHealthcare is bringing 15 Medicare Advantage plans to Webb County for the plan year that starts January 1, 2027, with four plans new to the lineup, four from this year's lineup not coming back, and one renamed. If you already have a UnitedHealthcare plan in Laredo, your Annual Notice of Change (ANOC) spells out what shifts next year — and you have until December 7, 2026 to make a different choice.
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Key takeaways
- UnitedHealthcare is offering 15 Medicare Advantage plans in Webb County for 2027: 10 HMO-POS and 5 PPO, with 13 including drug coverage.
- Seven of those plans are Special Needs Plans — 5 Dual-Eligible (D-SNP) and 2 Chronic Condition (C-SNP) — aimed at specific groups of enrollees.
- Four plans are new for 2027, four from the 2026 lineup are not returning, and one has been renamed; the ANOC and Medicare Plan Finder show what applies to you.
- The window to change plans for 2027 coverage closes December 7, 2026; if you do nothing and your plan is offered next year, it renews with the ANOC changes.
| 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.
MyMedicarePlans.org is an independent consumer site and is not UnitedHealthcare. UnitedHealthcare is one of 8 carriers offering Medicare Advantage in Webb County next year, out of 53 plans countywide.
What UnitedHealthcare Medicare Advantage plans are offered in Laredo for 2027?
In Webb County, where Laredo is located, UnitedHealthcare has 15 Medicare Advantage plans listed for 2027. By type, that is 10 HMO-POS plans and 5 PPO plans (some of the PPOs are Regional PPOs). Thirteen of the 15 include Part D prescription drug coverage; two do not. The full roster, exactly as CMS lists it, is in the table below.
The lineup includes AARP-branded Medicare Advantage plans — Essentials, Extras, Giveback, two "Patriot No Rx" plans without drug coverage, and other AARP Medicare Advantage HMO-POS and PPO options — plus UHC Complete Care and UHC Dual Complete plans built for people who qualify for a Special Needs Plan.
Which plans are Special Needs Plans, and who are they for?
Seven of UnitedHealthcare's 15 Webb County plans for 2027 are Special Needs Plans (SNPs): 5 Dual-Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, and 2 Chronic Condition SNPs (C-SNPs) for people with specific qualifying conditions. There are no Institutional SNPs in the Laredo lineup.
The D-SNPs in the roster carry the UHC Dual Complete and UHC Dual Advantage names; the C-SNPs are the UHC Complete Care plans. SNPs have enrollment rules — you have to meet the eligibility criteria, and for D-SNPs that generally means an active Medicaid determination from Texas. Medicare.gov and 1-800-MEDICARE can confirm whether you qualify.
What is new, renamed or not returning for 2027?
For plan year 2027 in Webb County, UnitedHealthcare has 4 new plans, 4 plans from the 2026 lineup not returning, and 1 renamed plan. The four new plans are all D-SNPs: UHC Dual Advantage TX-V11, UHC Dual Complete TX-Q6, UHC Dual Complete TX-S6, and UHC Dual Complete TX-YL2. One PPO was renamed into AARP Medicare Advantage from UHC TX-61 (Regional PPO).
If one of your current plans is not on next year's list, UnitedHealthcare is required to send a non-renewal notice. The ANOC in your mailbox (or member portal) describes any changes to plans that are coming back. The specifics — premium, deductible, copays, drug list, provider network — are not something this article can quote; they live in that notice and on medicare.gov.
How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?
The most reliable check is the Medicare Plan Finder at medicare.gov. Enter your ZIP code, add your prescription drugs with doses, and add your pharmacy; the Plan Finder will show which Webb County plans cover your drugs and what tier each one is on. For doctors and hospitals, check each plan's provider directory — on the carrier's site or by calling the number on the plan's materials — because being "in Laredo" and being "in network" are not the same thing.
A short checklist before you decide:
- Make a current list of your prescriptions (name, dose, how often).
- List the doctors, specialists and hospitals you want to keep.
- Note whether you need dental, vision, hearing or transportation benefits.
- If you have Medicaid or a qualifying chronic condition, ask whether a SNP fits.
You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24/7, for help running a comparison.
What are the Medicare dates and dollar figures to know for 2027?
Annual Enrollment runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027. If you do nothing and your plan is offered next year, it renews with the changes in your ANOC. From January 1 through March 31, 2027, the Medicare Advantage Open Enrollment Period lets someone already in a Medicare Advantage plan switch to another MA plan or return to Original Medicare one time.
CMS has published a few 2027 Part D figures: the out-of-pocket cap on covered drugs rises to $2,400 (from $2,100 in 2026), and the maximum Part D deductible a plan can charge rises to $700 (from $615 in 2026). The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS usually publishes those in the fall.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Webb County for 2027
CMS lists 15 UnitedHealthcare Medicare Advantage plans in Webb County for 2027, alphabetically by carrier. 7 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 15 plans | |||
| AARP Medicare Advantage Essentials from UHC TX-14 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Extras from UHC TX-50 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC TX-0004 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC TX-51 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC TX-61 (Regional PPO) | PPO | Yes | Renamed |
| AARP Medicare Advantage Giveback from UHC TX-38 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx TX-MA01 (HMO-POS) | HMO-POS | No | Returning |
| AARP Medicare Advantage Patriot No Rx TX-MA05 (PPO) | PPO | No | Returning |
| UHC Complete Care TX-19 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Complete Care TX-29 (Regional PPO C-SNP) | PPO C-SNP | Yes | Returning |
| 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-S001 (Regional PPO D-SNP) | PPO D-SNP | Yes | Returning |
| 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
How UnitedHealthcare Medicare Advantage plans in Webb County break down for 2027
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 Period (Open Enrollment)Anyone 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 plans if I like my current UnitedHealthcare plan?
What happens if my UnitedHealthcare plan is one of the four not returning for 2027?
I have both Medicare and Medicaid. Should I be looking at a D-SNP?
Where do I get the premium, copay and drug-list details for a specific plan?
Watch
The Medicare Advantage changes for 2027 in Texas, in 30 seconds
- 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 File (plan year 2027): UnitedHealthcare's Webb County plan list, plan types, SNP counts, drug coverage, and new/renamed/not-returning plans.
- CMS Medicare Advantage Landscape Source Files (CY2026 and CY2027): year-over-year comparison for Webb County.
- Medicare.gov: the Annual Enrollment and Medicare Advantage Open Enrollment dates, and the Plan Finder tool.
- CMS: confirmed 2027 Part D out-of-pocket cap and maximum deductible.
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.