Medicare Part D
Texas Part D Plans for 2027: 10 Stand-Alone Drug Plans From 5 Insurers, Down From 12
AUSTIN — Texans who get prescription drug coverage through a stand-alone Medicare Part D plan will have 10 plans from 5 insurers to choose from in 2027, according to the Centers for Medicare & Medicaid Services' Landscape files. That is two fewer plans and one fewer insurer than in 2026, when 12 plans from 6 insurers were offered in the state.
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Click to call 855-729-3240Key takeaways
- Texans will have 10 stand-alone Part D plans from 5 insurers for 2027, down from 12 plans and 6 insurers in 2026.
- The Part D out-of-pocket cap rises to $2,400 in 2027, and no Part D plan may charge a deductible higher than $700.
- One Texas stand-alone plan can be joined with no monthly premium by someone who qualifies for full Extra Help in 2027, the same count as in 2026.
- Choices for 2027 are made during Medicare's Annual Enrollment Period, October 15 through December 7, 2026, with coverage starting January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| 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 |
| Part D maximum deductible (2026) | $615 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
The choices for 2027 are made during Medicare's Annual Enrollment Period, which runs October 15 through December 7, 2026. Any plan selected during that window takes effect January 1, 2027.
How many stand-alone Part D plans are offered in Texas for 2027?
Texas will have 10 stand-alone Medicare Part D plans from 5 insurers in 2027, down from 12 plans and 6 insurers in 2026. Stand-alone Part D plans are offered across the CMS Part D region called "Texas," so the same 10 plans are available statewide.
The insurer that offered stand-alone Part D in Texas in 2026 but is not offering a stand-alone plan in the state in 2027 is HealthSpring. Changes in the lineup are common from year to year as insurers add, consolidate or withdraw contracts, which is one reason CMS encourages beneficiaries to re-check their coverage each fall.
Which insurers offer stand-alone Part D plans in Texas for 2027?
Five insurers offer stand-alone Part D plans statewide in Texas for 2027. Listed alphabetically, with their 2027 plan counts, they are:
- Aetna Medicare — 1 plan
- Blue Cross and Blue Shield of IL, NM, OK, TX — 2 plans
- Humana — 3 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
Order above is alphabetical and is not a ranking. Specific premiums, deductibles, drug lists and pharmacy networks vary plan by plan and are published through the Medicare Plan Finder at Medicare.gov and in each insurer's own plan documents.
What do the 2027 Part D out-of-pocket cap and deductible limit mean for Texans?
In 2027, no Texan with a Part D plan will pay more than $2,400 out of pocket for covered prescription drugs in the calendar year, up from a $2,100 cap in 2026. And no Part D plan — stand-alone or built into a Medicare Advantage plan — may charge a deductible greater than $700 in 2027.
These are program-wide limits set by CMS. The $2,400 cap applies to what the enrollee pays at the pharmacy counter for covered Part D drugs; it does not include monthly premiums. The $700 figure is a ceiling, not a required amount: individual plans may set a lower deductible, or none at all, for some or all tiers. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set by each insurer.
Which Texas Part D plans can someone with full Extra Help join with no monthly premium in 2027?
In Texas, 1 stand-alone Part D plan qualifies as a low-income benchmark plan for 2027, meaning a person who qualifies for full Extra Help can enroll in it with no monthly premium. That is the same count as in 2026, which also had 1 benchmark plan.
Extra Help, also called the Low-Income Subsidy, lowers Part D premiums and cost-sharing for people who meet income and resource limits. The specific benchmark plan for Texas and eligibility details are listed on Medicare.gov, and applications for Extra Help are handled by the Social Security Administration.
How does stand-alone Part D in Texas compare with the drug coverage built into Medicare Advantage?
Stand-alone Part D plans in Texas — the 10 counted here for 2027 — are designed to be paired with Original Medicare (Part A and Part B). Medicare Advantage plans that include drug coverage bundle Parts A, B and D into one plan, and their drug coverage is not included in the 10-plan Texas count.
Someone enrolled in a Medicare Advantage plan that already includes Part D generally cannot also enroll in a stand-alone Part D plan without affecting the Advantage enrollment. Medicare.gov's Plan Finder shows both types side by side for any ZIP code in Texas.
How can Texans check a plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at Medicare.gov lets Texans enter their ZIP code and current medications, then shows which 2027 Part D plans cover those drugs and which pharmacies are in each plan's network. The tool is free and does not require signing in.
Beneficiaries can also call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week, or read the Annual Notice of Change that each current plan mails in the fall. The Social Security Administration announced a 3.6 percent cost-of-living adjustment for 2027 benefits on October 14, 2026, which may affect household budgeting during the enrollment window. CMS has not yet announced the 2027 Part B standard premium, the Part B deductible, or the 2027 IRMAA income brackets; those figures are typically released later in the fall.
Where can Texans get free help choosing a 2027 Part D plan?
Free, unbiased help is available directly from Medicare at 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week, and online at Medicare.gov. The Plan Finder tool compares every 2027 stand-alone Part D plan offered in Texas using the user's own medication list and preferred pharmacies.
The Annual Enrollment Period for 2027 runs October 15 through December 7, 2026. A plan selected during that window takes effect January 1, 2027.
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.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
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.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
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.
Good to know
Frequently asked questions
How many stand-alone Part D plans will Texas have in 2027?
What is the Part D out-of-pocket cap in Texas for 2027?
When is Medicare's Annual Enrollment Period for 2027 coverage?
Can someone with full Extra Help join a Texas Part D plan with no premium in 2027?
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- 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 Landscape Source File: the 2027 and 2026 stand-alone Part D plan and insurer counts for Texas, the insurer list, and the Texas benchmark plan count.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 Part D out-of-pocket cap of $2,400, the $700 maximum plan deductible, and the $41.33 base beneficiary premium.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates of October 15 – December 7, 2026 and the January 1, 2027 effective date.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.
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.