County guide · Harris County, TX · 2027 plan year
Original Medicare vs Medicare Advantage in Harris County, TX
This guide lists 48 Medicare Advantage plans for 2027 in Harris County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 48
- $0 premium
- 40 plans
- Lowest in-network limit
- $1,500
- Highest in-network limit
- $9,850
In most states, including Texas, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Texas can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $143 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $4,586 | $6,761 | $6,986 |
| HealthSpring Preferred Extra Savings (HMO)HMO from HealthSpring · Plan ID H4513-091 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $176 of Part B) | $7,500 in network | 3.5 of 5 | 24 services | $487 | $3,102 | $8,792 |
| DEVOTED GIVEBACK 006 TX (HMO)HMO from Devoted Health · Plan ID H7993-006 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $202 of Part B) | $8,300 in network | 4.5 of 5 | 24 services | $322 | $3,251 | $9,697 |
| Verda Noble Care (HMO)HMO from Verda Health Plan of Texas · Plan ID H5163-001 · Medicare.gov | $0 plan + Part B $209.50 | $1,599 in network | 2 of 5 | 24 services | $2,514 | $3,434 | $6,293 |
| HealthSpring Preferred Savings (HMO)HMO from HealthSpring · Plan ID H4513-083 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $124 of Part B) | $7,200 in network | 3.5 of 5 | 24 services | $1,106 | $3,656 | $9,061 |
| MedCare Classic (HMO)HMO from MedCare Partners Health Plan of Texas · Plan ID H5767-001 · Medicare.gov | $0 plan + Part B $209.50 | $1,500 in network | Plan too new to be measured | 20 services | $2,529 | $3,734 | $6,054 |
| SCAN Classic Texas (HMO)HMO from SCAN Health Plan · Plan ID H8902-010 · Medicare.gov | $0 plan + Part B $209.50 | $2,900 in network | Not enough data available | 24 services | $2,549 | $4,103 | $7,814 |
| KelseyCare Advantage Freedom (HMO-POS)HMO-POS from KelseyCare Advantage · Plan ID H0332-004 · Medicare.gov | $0 plan + Part B $209.50 | $6,850 in network | 4.5 of 5 | 19 services | $2,589 | $4,354 | $10,624 |
| SCAN Walmart Health Advantage (HMO)HMO from SCAN Health Plan · Plan ID H8902-012 · Medicare.gov | $0 plan + Part B $209.50 | $3,500 in network | Not enough data available | 24 services | $2,539 | $4,558 | $8,414 |
| Humana Essentials Plus Giveback (PPO)PPO from Humana · Plan ID H7617-035 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $81 of Part B) | $8,300 in network; $13,900 in and out of network | 4.5 of 5 | 24 services | $1,977 | $4,704 | $10,779 |
| HumanaChoice Giveback H5216-358 (PPO)PPO from Humana · Plan ID H5216-358 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $81 of Part B) | $8,300 in network; $13,900 in and out of network | 4 of 5 | 24 services | $1,977 | $4,704 | $10,779 |
| Wellpoint Medicare Advantage Select 1 (HMO-POS)HMO-POS from Wellpoint · Plan ID H8849-009 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network | 3.5 of 5 | 23 services | $2,599 | $4,744 | $8,384 |
| Aetna Medicare Prime Care (HMO)HMO from Aetna Medicare · Plan ID H4523-024 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network | 3 of 5 | 19 services | $2,589 | $4,775 | $9,364 |
| Aetna Medicare Signature Extra (HMO)HMO from Aetna Medicare · Plan ID H4523-015 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network | 3 of 5 | 19 services | $2,564 | $4,790 | $10,044 |
| HealthSpring Alliance (HMO)HMO from HealthSpring · Plan ID H4513-064 · Medicare.gov | $0 plan + Part B $209.50 | $3,600 in network | 3.5 of 5 | 24 services | $2,589 | $5,084 | $8,514 |
| Humana Gold Plus H0028-042 (HMO)HMO from Humana · Plan ID H0028-042 · Medicare.gov | $0 plan + Part B $209.50 | $3,950 in network | 4.5 of 5 | 24 services | $2,599 | $5,131 | $8,864 |
| Humana Total Complete (HMO)HMO from Humana · Plan ID H4461-057 · Medicare.gov | $0 plan + Part B $209.50 | $3,950 in network | 4.5 of 5 | 24 services | $2,599 | $5,131 | $8,864 |
| KelseyCare Advantage Signature (HMO)HMO from KelseyCare Advantage · Plan ID H0332-009 · Medicare.gov | $0 plan + Part B $209.50 | $4,150 in network | 4.5 of 5 | 19 services | $2,559 | $5,139 | $8,894 |
| Wellpoint Medicare Advantage 2 (HMO-POS)HMO-POS from Wellpoint · Plan ID H2593-029 · Medicare.gov | $0 plan + Part B $209.50 | $9,850 in network | 3 of 5 | 23 services | $2,579 | $5,278 | $9,585 |
| HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H4513-061 · Medicare.gov | $0 plan + Part B $209.50 | $4,000 in network | 3.5 of 5 | 24 services | $2,599 | $5,289 | $8,914 |
| Humana Gold Plus H0028-072 (HMO)HMO from Humana · Plan ID H0028-072 · Medicare.gov | $0 plan + Part B $209.50 | $3,950 in network | 4.5 of 5 | 24 services | $2,594 | $5,326 | $8,864 |
| Humana Total Complete (HMO)HMO from Humana · Plan ID H4461-049 · Medicare.gov | $0 plan + Part B $209.50 | $3,950 in network | 4.5 of 5 | 24 services | $2,594 | $5,326 | $8,864 |
| Wellcare TexanPlus Classic Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H4506-003 · Medicare.gov | $0 plan + Part B $209.50 | $3,400 in network | 4 of 5 | 20 services | $2,544 | $5,364 | $7,869 |
| DEVOTED GIVEBACK EXTRAS 114 TX (HMO)HMO from Devoted Health · Plan ID H7993-114 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $5,600 in network | 4.5 of 5 | 24 services | $1,856 | $5,575 | $9,674 |
| AARP Medicare Advantage from UHC TX-001P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H4514-014 · Medicare.gov | $0 plan + Part B $209.50 | $4,900 in network | 4 of 5 | 24 services | $2,514 | $5,580 | $8,854 |
| HumanaChoice H5216-043 (PPO)PPO from Humana · Plan ID H5216-043 · Medicare.gov | $0 plan + Part B $209.50 | $6,800 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,753 | $5,587 | $10,984 |
| Humana Value Choice (PPO)PPO from Humana · Plan ID H7617-057 · Medicare.gov | $0 plan + Part B $209.50 | $6,800 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $2,753 | $5,587 | $10,984 |
| Wellcare Simple (HMO)HMO from Wellcare · Plan ID H0174-010 · Medicare.gov | $0 plan + Part B $209.50 | $3,500 in network | 3.5 of 5 | 20 services | $2,544 | $5,664 | $8,414 |
| AARP Medicare Advantage from UHC TX-0009 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H4514-007 · Medicare.gov | $0 plan + Part B $209.50 | $6,700 in network | 4 of 5 | 24 services | $2,514 | $5,683 | $11,329 |
| DEVOTED CORE 001 TX (HMO)HMO from Devoted Health · Plan ID H7993-001 · Medicare.gov | $0 plan + Part B $209.50 | $3,700 in network | 4.5 of 5 | 24 services | $2,524 | $5,757 | $8,614 |
| DEVOTED CORE 019 TX (HMO)HMO from Devoted Health · Plan ID H7993-019 · Medicare.gov | $0 plan + Part B $209.50 | $3,650 in network | 4.5 of 5 | 24 services | $2,539 | $5,847 | $8,564 |
| AARP Medicare Advantage from UHC TX-4P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H4514-022 · Medicare.gov | $36 plan + Part B $209.50 | $3,900 in network | 4 of 5 | 24 services | $2,946 | $5,907 | $9,106 |
| AARP Medicare Advantage from UHC TX-0015 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H4527-037 · Medicare.gov | $0 plan + Part B $209.50 | $6,900 in network | 4 of 5 | 24 services | $2,514 | $5,916 | $9,974 |
| DEVOTED PREMIUM 002 TX (HMO)HMO from Devoted Health · Plan ID H7993-002 · Medicare.gov | $5 plan + Part B $209.50 | $4,150 in network | 4.5 of 5 | 24 services | $2,599 | $6,042 | $9,124 |
| Aetna Medicare Enhanced (PPO)PPO from Aetna Medicare · Plan ID H3288-047 · Medicare.gov | $65 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3.5 of 5 | 19 services | $3,334 | $6,092 | $11,399 |
| Aetna Medicare Value Plus (PPO)PPO from Aetna Medicare · Plan ID H3288-003 · Medicare.gov | $6.30 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3.5 of 5 | 19 services | $3,305 | $6,263 | $12,047 |
| HealthSpring True Choice (PPO)PPO from HealthSpring · Plan ID H7849-154 · Medicare.gov | $0 plan + Part B $209.50 | $6,800 in network; $10,750 in and out of network | 3 of 5 | 24 services | $2,976 | $6,314 | $11,129 |
| HumanaChoice R4182-004 (Regional PPO)Regional PPO from Humana · Plan ID R4182-004 · Medicare.gov | $46 plan + Part B $209.50 | $8,200 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $3,156 | $6,372 | $12,096 |
| Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H2293-016 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3.5 of 5 | 19 services | $3,229 | $6,488 | $12,064 |
| HumanaChoice H5216-042 (PPO)PPO from Humana · Plan ID H5216-042 · Medicare.gov | $62 plan + Part B $209.50 | $6,750 in network; $9,000 in and out of network | 4 of 5 | 24 services | $3,348 | $6,546 | $12,408 |
| HumanaChoice R4182-003 (Regional PPO)Regional PPO from Humana · Plan ID R4182-003 · Medicare.gov | $100 plan + Part B $209.50 | $8,200 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $3,804 | $7,017 | $12,734 |
| AARP Medicare Advantage from UHC TX-61 (Regional PPO)Regional PPO from UnitedHealthcare · Plan ID R6801-012 · Medicare.gov | $138 plan + Part B $209.50 | $9,850 in network; $9,850 in and out of network | 3 of 5 | 24 services | $4,170 | $7,545 | $13,900 |
| HealthSpring Courage (HMO)HMO from HealthSpring · Plan ID H4513-009 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $120 of Part B) | $4,300 in network | 3.5 of 5 | 24 services | $1,452 | $9,266 | $26,950 |
| Aetna Medicare Eagle (PPO)PPO from Aetna Medicare · Plan ID H3288-051 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $110 of Part B) | $4,900 in network; $8,950 in and out of network | 3.5 of 5 | 19 services | $1,532 | $9,436 | $27,670 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-348 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $7,900 in network; $11,300 in and out of network | 4 of 5 | 24 services | $1,262 | $9,466 | $28,695 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H7617-062 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $7,900 in network; $11,300 in and out of network | 4.5 of 5 | 24 services | $1,262 | $9,466 | $28,695 |
| AARP Medicare Advantage Patriot No Rx TX-MA01 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H4527-024 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $80 of Part B) | $7,150 in network | 4 of 5 | 24 services | $1,842 | $10,256 | $30,280 |
| KelseyCare Advantage Core (HMO)HMO from KelseyCare Advantage · Plan ID H0332-001 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 | $4,500 in network | 4.5 of 5 | 19 services | $2,847 | $10,421 | $28,590 |
| HumanaChoice R4182-001 (Regional PPO)Regional PPO from Humana · Plan ID R4182-001 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 | $6,000 in network; $10,750 in and out of network | 3.5 of 5 | 24 services | $2,892 | $11,108 | $30,090 |
Original Medicare totals use the lowest Plan G price that Medicare.gov lists for a 65-year-old woman who does not use tobacco, $143 a month. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices are the range Medicare.gov showed for ZIP 77002 on 2026-10-09. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 77002 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.