Medicare Advantage

Plano's 2027 Medicare Advantage menu: 12 carriers, 72 plans, sorted for you

For 2027, Plano is looking at 81 Medicare Advantage plans: 21 new, 37 gone since 2026, and 30 still here but changed on premium, deductible, plan type or name, 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 AdvantagePlano, TX

For Medicare shoppers in Plano, the 2027 plan year brings a menu to sort through. According to the CMS Medicare Advantage Landscape Source File, Plano — which sits in Collin County — has 72 Medicare Advantage plans available from 12 different carriers. The table below lists every plan by carrier, its plan type, and whether it comes with drug coverage, so you can see the full lineup in one place before you start comparing details on Medicare.gov.

How the Plano lineup breaks down

Plan availability in Medicare is set at the county level, so the same menu is offered across Collin County. Compared with 2026, 37 plans are not returning, 21 are new, 9 have been renamed, and 21 continuing plans change something in their terms — details are in each plan's Annual Notice of Change. American Health Advantage of Texas is not offering plans in the county for 2027, and Texas Independence Health Plan is new to the county.

There are no stand-alone Part D drug plans counted separately in this roster because every Medicare Advantage plan on the Collin County list already includes drug coverage.

The 12 carriers serving Collin County

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

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

Some names in the roster may look unfamiliar even though the parent company is well known. For example, Centene's plans are branded Wellcare, Elevance Health markets under Wellpoint, and UnitedHealthcare offers both AARP Medicare Advantage plans and its Erickson Advantage plans. The table below shows every plan spelled out.

Understanding the plan types on the list

Each plan on the Collin County roster is one of four types, and the type affects how you use doctors and hospitals.

• HMO plans generally require you to use in-network providers and pick a primary care doctor.
• HMO-POS plans work like an HMO but allow some out-of-network care at a higher cost.
• PPO plans let you see providers in or out of network, usually with a higher cost outside the network. Some on the roster are "Regional PPO" plans that cover a larger geographic area.
• PFFS plans let you see any Medicare-approved provider that agrees to the plan's terms.

The roster also includes Special Needs Plans marked D-SNP (for people with both Medicare and Medicaid), C-SNP (for specific chronic conditions such as diabetes, heart conditions, or kidney disease) and I-SNP (for people who live in nursing homes or need a similar level of care).

What's the same across all Part D coverage in 2027

No matter which plan you choose, some Part D rules are set by Medicare, not the carrier:

• The Part D out-of-pocket cap is $2,100 for 2026. After you hit that in covered drug costs, you pay $0 for the rest of the year.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027). Individual plans may be lower.
• The 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 calendar year in monthly installments at no added charge.
• IRMAA surcharges for higher-income enrollees begin above $109,000 in income for a single filer in 2026.

For specific premiums, copays, deductibles, formularies, provider networks or star ratings on any plan below, use the official Medicare Plan Finder at Medicare.gov or read the plan's own documents. Those details change every year and are not included on this list.

Key dates for Plano enrollees

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you can switch to another Medicare Advantage plan or go back to Original Medicare (and add a Part D plan).

With 134,714 people age 65 and older living in Collin County, help lines and counselors can get busy near the Dec. 7 deadline. Starting your review early gives you time to compare.