Medicare Advantage

Before you compare: 97 Collin County plans for 2026

For 2027, McKinney is looking at 72 Medicare Advantage plans: 21 new, 37 gone since 2026, and 21 still here but changed on their terms, 9 of them under a new name. Below, how the lineup shifted in Collin County and what to compare, with no plan ranked or recommended.

Medicare AdvantageMcKinney, TX

McKinney sits in Collin County, and that county line is what decides which Medicare Advantage plans you can shop this fall. For plan year 2027, 12 insurance carriers are offering a combined 72 Medicare Advantage plans in Collin County, according to the CMS Medicare Advantage Landscape Source File. Every one of those plans includes prescription drug coverage. The full lineup — every plan, by carrier, with its plan type — is in the table below.

This article is meant to help you read that table with confidence, not to steer you toward any single plan.

How to read the table below

The table below lists every Medicare Advantage plan available to McKinney residents through Collin County for 2027. Each row shows three things: the plan name, the plan type (HMO, HMO-POS, PPO or PFFS, and whether it is a Special Needs Plan), and whether it includes drug coverage. For 2027, the answer to that last column is "yes" for every plan on the list.

We are not showing premiums, copays, deductibles, provider networks or star ratings here. Those details change often and are best pulled straight from the Medicare Plan Finder at medicare.gov or from each plan's own documents.

The carriers serving Collin County

Twelve carriers are on the 2027 Collin County list. In alphabetical order, they are:

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

Some are large national names you have probably seen on TV. Others — like ProCare Advantage, Provider Partners, American Health Advantage of Texas and Verda Health Plan of Texas — are smaller and often focus on Special Needs populations.

What the plan types mean

The letters after each plan name tell you how the plan works day to day.

• HMO (Health Maintenance Organization): You generally pick a primary care doctor and stay in the plan's network, except for emergencies.
• HMO-POS (Point of Service): An HMO with a limited option to see some out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network doctors, usually with higher cost-sharing when you do.
• PFFS (Private Fee-for-Service): The plan sets the terms of payment; providers decide, visit by visit, whether to accept those terms.
• SNP (Special Needs Plan): Limited to people who fit a category — such as being on both Medicare and Medicaid (D-SNP), living in an institution (I-SNP), or having certain chronic conditions like diabetes or kidney disease (C-SNP).

Of the 97 plans on the Collin County list, 38 are Special Needs Plans. You cannot enroll in an SNP unless you meet its eligibility rules.

Drug coverage and the 2027 Part D rules

Every 2027 Medicare Advantage plan on the McKinney/Collin County list includes Part D prescription drug coverage. A few program-level facts apply no matter which plan you look at:

• The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your covered drug costs reach that amount, you pay nothing for covered drugs the rest of the year.
• The maximum Part D deductible allowed is $615 for 2026 and $700 for 2027. Individual plans may set a lower one.
• The old coverage gap, or "donut hole," was eliminated as of 2025. Part D now has three phases.
• The Medicare Prescription Payment Plan is an optional way to spread your drug costs across the year in monthly payments instead of paying at the pharmacy counter.
• If your income is above $109,000 (single filer, 2026), an IRMAA surcharge may be added to your Part B and Part D premiums.

Deciding among 97 plans without getting overwhelmed

Ninety-seven is a lot. A few practical filters can shrink the list quickly:

1. Check your doctors and hospitals. Look up each provider you want to keep in a plan's network before anything else. 2. List your prescriptions. Enter them into the Medicare Plan Finder to see which plans' formularies cover them and at what tier. 3. Think about how you like to get care. If you travel or want more freedom to see specialists without referrals, a PPO or HMO-POS may fit better than a strict HMO. 4. Check whether an SNP applies to you. If you have Medicaid, live in a nursing facility, or have a qualifying chronic condition, a Special Needs Plan may be an option worth exploring. 5. Look at total yearly cost, not just the premium. Deductibles, copays and the drug tier your medications fall into can matter more than the sticker premium.

Key dates to keep in mind

• October 15 – December 7: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you are already in a Medicare Advantage plan, you get one chance to switch to another MA plan or return to Original Medicare.