A non-government entityMyMedicarePlans
Speak to a Licensed Insurance Agent
855-729-3240 TTY: 711
Monday – Friday: 7am – 9pm CST
HomeMedicare SupplementTexasMedigap in Texas for 2027: 28 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Texas for 2027: 28 Insurers and the Plans They Sell

HOUSTON — For Texans weighing how to pair Original Medicare with extra protection in 2027, Medicare.gov's Medigap policy search returns 28 insurers for a Houston ZIP code (77002), together offering the standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. The federal Annual Enrollment Period for Medicare runs October 15 through December 7, 2026, with choices taking effect January 1, 2027.

See Medicare Supplement options in your area

Compare Medicare Supplement options near you

Answer 3 quick questions to see Medicare Supplement listings from licensed insurance partners.

✓ Free  ·  ✓ Takes 20 seconds  ·  ✓ No name, phone, or email needed

What’s your ZIP code?

Plan availability is set by your county, so we start here.

How old are you?

This helps match you with options you’re eligible for.

Do you have Medicare Parts A & B?

This affects which Medicare Supplement options you can choose.

Medicare Supplement options in your area

These listings are provided by licensed insurance partners.

MEDIGAP RATE ALERT

Your Medigap rate went up. Your benefits didn't.

Medicare supplement benefits are standardized — identical at any carrier. The only difference is what you pay. One call compares current rates in your area.

  • Same plan letter = same benefits, by law
  • No fall deadline — switch any month, if your health qualifies

Available now — current wait: 0 min

A real person answers. No phone menu, ever.

Call 855-729-3240
A rate check takes about 5 minutesfree · no obligation

Want to see more plan options?

Answer a few more questions to continue to additional options from licensed partners.

Continue →

Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.

Speak to a Licensed Insurance Agent

Click to call 855-729-3240

TTY: 711
Monday - Friday 7am - 9pm CST

Key takeaways

  • Medicare.gov's Medigap search for ZIP 77002 lists 28 insurers selling some combination of Plans A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • Your strongest window to buy any Medigap policy sold in Texas without medical underwriting is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
  • 102 Medicare Advantage plans offered in Texas in 2026 will not be offered anywhere in the state in 2027, and members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap policies.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026.
Medicare SupplementTexas
Video: RDNE Stock project Video by RDNE Stock project on Pexels
MM
ED
AI
By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Texas
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Texas?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay cost-sharing such as coinsurance and deductibles. It is not Medicare Advantage. Medicare Advantage (Part C) replaces the way Original Medicare pays claims by bundling your Part A and Part B benefits — and usually drug coverage — into one plan with its own network and rules. You cannot use a Medigap policy with a Medicare Advantage plan; Medigap is designed for people who keep Original Medicare and want help with the out-of-pocket pieces Medicare does not cover.

Because Medigap plans are federally standardized by letter, Plan G from one company covers the same federally defined benefits as Plan G from another. What can differ is the premium, the company's customer service, and whether the plan is available where you live.

Which insurers sell Medigap in Texas and which plan letters do they offer?

For ZIP 77002, Medicare.gov's Medigap policy search lists these 28 insurers and the standardized plan letters shown for each. What is sold can differ by ZIP code and by age, sex and tobacco use.

Plans C and F — including F-HD — are closed to people newly eligible for Medicare on or after January 1, 2020. For benefit details, premiums and the forms needed to apply, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or ask the insurer directly.

What is the Medigap Open Enrollment Period and why does it matter in Texas?

A Texan's strongest window to buy Medigap without medical underwriting is the six-month Medigap Open Enrollment Period that begins the first month you are both 65 or older and enrolled in Medicare Part B. During that one-time window, any Medigap policy sold in your area must be issued to you regardless of your health history. This is a federal protection and it is separate from Medicare's Annual Enrollment Period.

Outside that six-month window, an insurer in Texas can generally use medical underwriting to decide whether to issue a policy and at what price, unless a specific guaranteed-issue right applies.

What happens in Texas if my Medicare Advantage plan is not returning in 2027?

According to CMS Landscape files, 102 Medicare Advantage plans offered in Texas in 2026 will not be offered anywhere in the state in 2027. If you are enrolled in one of those non-returning plans, you have a federal guaranteed-issue right to buy certain Medigap policies, meaning an insurer must sell you one of the eligible plans without using your health to decide. Your plan's non-renewal notice explains the dates and the Medigap letters you qualify to buy; Medicare.gov describes the rules in detail.

Does Medigap cover prescription drugs in Texas?

No. Medigap policies sold today do not include prescription drug coverage, so Texans with Medigap generally also enroll in a stand-alone Medicare Part D plan. Part D choices for 2027 are made during Annual Enrollment, October 15 – December 7, 2026, and take effect January 1, 2027. In 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum allowed Part D deductible any plan may charge is $700, and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible and the 2027 IRMAA brackets had not been announced by CMS at the time of writing.

How should Texans compare Medigap policies for 2027?

Start with the plan letter, because benefits within a letter are standardized by federal law — then compare premiums and company practices across insurers that sell that letter in your ZIP code. The Medicare Plan Finder at medicare.gov lets you enter your ZIP, see which insurers sell which letters near you, and request premium quotes. Because rates can vary by age, sex and tobacco use, two people in the same Texas county can see different prices for the same lettered plan from the same company.

Where can Texans get free help with Medicare for 2027?

Medicare.gov is the official source for plan details, enrollment windows and Medigap rights, and 1-800-MEDICARE is staffed around the clock. Both are free to use and are not tied to any insurer.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

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.

Compare with a licensed agent

See Medicare options & speak with a licensed agent

Provided by licensed insurance partners; MyMedicarePlans.org may be compensated. Not a ranking or endorsement of any plan.

Explore

The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

Explore

When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

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

Can I switch from Medicare Advantage to Original Medicare with a Medigap policy in Texas?
You can change between Medicare Advantage and Original Medicare during Annual Enrollment (October 15 – December 7, 2026) for a January 1, 2027 effective date, but buying Medigap in Texas outside a guaranteed-issue situation or your six-month Medigap Open Enrollment Period generally means answering health questions. Review the rules at medicare.gov or call 1-800-MEDICARE before you drop a Medicare Advantage plan.
Are Plans C and F still available to new Texans in 2027?
Plans C and F — including the high-deductible version of F — are closed to people who became eligible for Medicare on or after January 1, 2020. Texans who were already eligible before that date may still buy them if an insurer in their ZIP code offers them.
Does Medigap in Texas include a drug plan for 2027?
No. Medigap policies sold today do not include Part D. A separate Medicare Part D plan is chosen during Annual Enrollment, October 15 – December 7, 2026, for coverage starting January 1, 2027.
Where do I confirm which Medigap plans an insurer sells in my ZIP code?
Use the Medigap policy search on medicare.gov or call 1-800-MEDICARE. Availability can differ by ZIP code, and premiums can vary by age, sex and tobacco use.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: Medigap policy search results for ZIP 77002 (the insurers listed and the plan letters each offers)
  • CMS Landscape Source File: the count of Medicare Advantage plans offered in Texas in 2026 that will not be offered anywhere in the state in 2027
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period, guaranteed-issue rights, and the Plan C/F eligibility rule for people newly eligible on or after January 1, 2020
  • CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment dates of October 15 – December 7, 2026 and the January 1, 2027 effective date
  • CMS: 2027 Part D parameters — the $2,400 out-of-pocket cap, the $700 maximum allowable deductible, and the $41.33 base beneficiary premium
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for 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.

Content Integrity Standards

  • No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
  • No plan recommendations. This is educational content. We don't score or recommend specific plans; any Star Ratings shown are Medicare's own CMS ratings, stated as published.
  • AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
  • Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
  • Correction transparency. We fix errors openly and note when a page was last updated.
  • Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.

This page was last updated: October 2026.

Medigap rate went up? A rate check is freeCall