Medicare Advantage
San Antonio's 2027 Dual Special Needs Plans: 25 D-SNPs, 10 carriers, and your monthly chance to switch
Bexar County has 98 Medicare Advantage plans for 2027. Compared with 2026, 28 plans are not coming back, 26 are new, and 36 continuing plans changed in some way you should check before December 7, 11 of them under a new name. This guide covers what those numbers mean for San Antonio, not which plan to pick.
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Key takeaways
- Bexar County will have 25 D-SNPs from 10 carriers for 2027, including several new plans from Alignment Health Plan, Elevance Health (Anthem), UnitedHealthcare, Centene (WellCare), HealthSpring, and Aetna.
- To join a D-SNP you must have Medicare Part A and Part B and also qualify for Texas Medicaid; the state Medicaid agency decides whether you are a "full dual" or a "partial dual" (such as QMB).
- People with Medicaid or Extra Help get an extra monthly chance to switch into an integrated D-SNP or move back to Original Medicare with a stand-alone drug plan, on top of the Oct. 15–Dec. 7, 2026 Annual Enrollment window.
- Confirm your Medicaid level with Texas Health and Human Services, and check plan details on medicare.gov or by calling 1-800-MEDICARE before you enroll.
SAN ANTONIO — Fall 2026. If you have both Medicare and Texas Medicaid and live in or near San Antonio, your choices for 2027 are coming into focus. In Bexar County, 25 Dual Special Needs Plans (D-SNPs) from 10 carriers will be offered for plan year 2027, according to CMS Medicare Advantage Landscape data. That is a bigger menu than many parts of Texas, and it includes several brand-new plans and a handful of renamed ones.
D-SNPs are a type of Medicare Advantage plan built for people who qualify for both Medicare and Medicaid — often called "dual eligibles." Here is what is on the table for 2027, who can join, and how often you can change your mind.
What a D-SNP is, in plain terms
A Dual Special Needs Plan is a Medicare Advantage plan that only enrolls people who have both Medicare and Medicaid. Every D-SNP in Bexar County includes prescription drug coverage, and plans coordinate with Texas Medicaid so your two sets of benefits work together instead of in parallel. Some D-SNPs are designed for people with full Medicaid; others are built for people whose Medicaid only helps with Medicare costs (for example, the Qualified Medicare Beneficiary, or QMB, group).
The exact benefits, provider networks, drug lists and extras differ from plan to plan. We cannot compare those details here — the Medicare Plan Finder at medicare.gov and each plan's Evidence of Coverage are the right places to look.
Who qualifies: full dual vs. partial dual
Dual eligibility is set by the state, not the plan. In Texas, Texas Health and Human Services (HHS) decides which Medicaid category you fall into. In general terms:
- Full-benefit dual eligibles have Medicare and full Texas Medicaid, which can cover services Medicare does not (such as long-term services and supports).
- Partial-benefit dual eligibles have Medicare plus a Medicare Savings Program — most often QMB, which pays Medicare premiums and cost-sharing, or SLMB/QI, which help with the Part B premium.
A D-SNP is written for a specific group. For example, some plans in Bexar County are labeled "QMB Only" and others "Full Dual." If your Medicaid status changes, your eligibility for a particular D-SNP can change too. To confirm your current level, contact Texas HHS (yourtexasbenefits.com or 2-1-1) and ask what Medicaid category you are in today.
The 2027 D-SNP lineup in Bexar County
For 2027, Bexar County will have 25 D-SNPs — part of a broader Special Needs Plan picture that also includes 18 Chronic Condition SNPs (C-SNPs) and 7 Institutional SNPs (I-SNPs). The 10 carriers offering D-SNPs are, in alphabetical order:
- Aetna (CVS Health) — 4 D-SNPs
- Alignment Health Plan — 1 D-SNP
- Centene (WellCare) — 4 D-SNPs
- Community First — 1 D-SNP
- Devoted Health — 2 D-SNPs
- Elevance Health (Anthem) — 3 D-SNPs
- HealthSpring — 2 D-SNPs
- Humana — 3 D-SNPs
- Molina Healthcare of Texas, Inc. — 1 D-SNP
- UnitedHealthcare — 4 D-SNPs
Several plans are new for 2027, including Aetna Medicare QMB Only Care, Alignment Health Duals+ 007, Wellcare Superior HealthPlan Dual Liberty, Wellcare Superior HealthPlan Dual Reserve Value, three Wellpoint plans from Elevance Health (Anthem), HealthSpring TotalCare Plus, and four UnitedHealthcare "Dual" plans (TX-V11, TX-Q6, TX-Y1 and the renamed TX-S001). A handful of 2026 plans have been renamed; your Annual Notice of Change (ANOC) will spell out exactly what changed on your plan. The table below lists every D-SNP by carrier.
How often a dual-eligible person can change plans
Everyone with Medicare can make a change during the Annual Enrollment Period, Oct. 15 – Dec. 7, 2026, with coverage starting Jan. 1, 2027. People with Medicare Advantage also have the Jan. 1 – Mar. 31 Medicare Advantage Open Enrollment Period to switch MA plans or return to Original Medicare.
Dual eligibles and people with Extra Help get more flexibility. Under current CMS rules, if you have Medicaid or the low-income subsidy, you have a monthly opportunity to either enroll in an integrated D-SNP or drop Medicare Advantage and return to Original Medicare with a stand-alone Part D plan. In other words, you are not locked in until next October. Rules on these Special Enrollment Periods have been tightening in recent years, so before you make a move, confirm what is currently allowed with 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week.
If you do nothing during the fall window, your current plan simply renews for 2027 — assuming it is being offered next year — with the changes described in your ANOC.
2027 numbers it helps to know
A few program-wide figures for 2027 are already set by CMS:
- Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
- Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
- Part D national base beneficiary premium: $41.33 for 2027. This is a formula input, not the premium any specific plan charges.
The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not been announced yet; CMS usually publishes them later in the fall. If you are a full dual, Texas Medicaid typically pays your Part B premium, so IRMAA and Part B changes may matter less to your monthly budget — but they still appear on your paperwork.
How to confirm eligibility and compare plans
A good order of operations for San Antonio dual eligibles this fall:
1. Confirm your Medicaid level. Call Texas HHS at 2-1-1 or sign in at yourtexasbenefits.com to see which Medicaid category you are in today. That determines which D-SNPs you can join. 2. Read your ANOC. If you already have a Medicare Advantage or D-SNP plan, your ANOC lists what is changing in 2027. For plans that were renamed, the ANOC will show the new name. 3. Use the Medicare Plan Finder. At medicare.gov, enter your ZIP code and your drug list to compare the 25 Bexar County D-SNPs side by side on premium, cost-sharing, drug coverage and star ratings. 4. Call 1-800-MEDICARE if anything is unclear or if you want to check which Special Enrollment Period you qualify for.
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 Bexar County
(MA penetration in Bexar 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.
Medicare + Medicaid
Dual Special Needs Plans (D-SNP) in Bexar County for 2027
CMS lists 25 D-SNPs in Bexar County for 2027, alphabetically by carrier. A D-SNP is open to people who have both Medicare and Medicaid; the state Medicaid agency confirms the level of eligibility.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 4 plans | |||
| Aetna Medicare Full Dual Care (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Aetna Medicare Full Dual Extra Care (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Aetna Medicare QMB Only Care (HMO D-SNP) | HMO D-SNP | Yes | New |
| Aetna Medicare QMB Only Extra Care (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Alignment Health Plan 1 plan | |||
| Alignment Health Duals+ 007 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| Centene (WellCare) 4 plans | |||
| Wellcare Superior HealthPlan Dual Access (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Wellcare Superior HealthPlan Dual Liberty (HMO D-SNP) | HMO D-SNP | Yes | New |
| Wellcare Superior HealthPlan Dual Reserve (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Wellcare Superior HealthPlan Dual Reserve Value (HMO D-SNP) | HMO D-SNP | Yes | New |
| Community First 1 plan | |||
| Community First Medicare Advantage Bexar Dual (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Devoted Health 2 plans | |||
| DEVOTED DUAL 012 TX (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| DEVOTED DUAL FULL 041 TX (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Elevance Health (Anthem) 3 plans | |||
| Wellpoint Dual Advantage Plus Select (HMO D-SNP) | HMO D-SNP | Yes | New |
| Wellpoint Dual Advantage Select (HMO D-SNP) | HMO D-SNP | Yes | New |
| Wellpoint Full Dual Advantage Select (HMO D-SNP) | HMO D-SNP | Yes | New |
| HealthSpring 2 plans | |||
| HealthSpring TotalCare (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | New |
| Humana 3 plans | |||
| Humana Gold Plus SNP-DE H0028-036 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana Gold Plus SNP-DE H4461-069 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana Gold Plus SNP-DE H4461-070 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Molina Healthcare of Texas, Inc. 1 plan | |||
| Molina Medicare Complete Care Plus (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| 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-S001 (Regional PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Dual Complete TX-Y1 (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 Bexar County for 2027
- Aetna (CVS Health) 11 plans: HMO, PPO
- Alignment Health Plan 6 plans: HMO-POS
- Centene (WellCare) 6 plans: HMO
- Clover Health 2 plans: PPO
- Community First 2 plans: HMO
- Devoted Health 10 plans: HMO
- Elevance Health (Anthem) 9 plans: HMO, HMO-POS
- HealthSpring 6 plans: HMO, PPO
- Humana 24 plans: HMO, PFFS, PPO
- Molina Healthcare of Texas, Inc. 1 plan: HMO
- ProCare Advantage 1 plan: HMO-POS
- Provider Partners Health Plans 1 plan: HMO
- SCAN Health Plan 4 plans: HMO
- Texas Independence Health Plan 2 plans: HMO
- UnitedHealthcare 13 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 automatically get a D-SNP when I qualify for Medicare and Medicaid?
What is the difference between "full dual" and "QMB only" plans I see in the lineup?
- 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 San Antonio
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This page was last updated: October 2026.