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Medicare Supplement Insurance Plans in Texas
Medicare Supplement Plans (Medigap) in Texas 2026
More than four million seniors call Texas home, and keeping up with healthcare can feel overwhelming. In 2026, many Texas seniors are choosing Medicare supplement plans to get peace of mind and stable coverage. As healthcare costs keep rising, these plans help you lock in your medical costs so you do not have to worry about surprise bills.
2026 Texas Medicare Alert: Some major Medicare Advantage plans are leaving certain Texas counties or changing their coverage for 2026. If your current plan is ending, you may have a special guaranteed issue right. This means you can switch to a stable Medigap plan without answering any health questions, keeping your access to your favorite doctors.
Unsure if your plan is changing? Compare Texas Medicare Advantage plans with SelectQuote today.
Key Texas 2026 Takeaways
Here is what you need to know about Texas Medicare plans right now:
Big Shifts in Coverage: Nearly 55% of Texas seniors use Medicare Advantage, but thousands are facing plan cancellations or changes this year.
2026 Medicare Deductibles: In 2026, the federal Medicare Part A (hospital) deductible is $1,736. The Part B (doctor) yearly deductible is $283. .
Ultimate Doctor Freedom: With a Medicare Supplement plan, you have the freedom to see any doctor or specialist in the country who accepts Medicare. This includes top-tier hospitals like MD Anderson in Houston or UT Southwestern in Dallas—and you will not need a referral.
Compare Medicare plans and request a free quote today!
What is a Medicare Supplement plan in Texas?
A Medicare supplement plan—also called Medigap—is private insurance. It helps fill or bridge the financial gaps left by Original Medicare (Part A and Part B).
While Original Medicare covers a lot of your medical needs, it does not cover everything. For example, under Part B, you are usually responsible for paying 20% of your outpatient doctor bills out of your own pocket. There are also large hospital deductibles to pay. A Texas Medigap policy steps in to pay those leftover costs for you. This helps you set a predictable monthly budget for your healthcare.
Want to review the basics? Read our complete Medicare overview.
Types of Medicare Supplement Plans Offered In Texas
Texas offers ten standardized Medigap plans. They are labeled by letters, such as Plan A through Plan N.
Because these plans are standardized by the federal government, the basic benefits for each letter plan are identical. For example, a Plan G from Company A has the exact same medical coverage as a Plan G from Company B. However, the monthly price (premium) and customer service can be very different depending on the company you choose.
See the full breakdown of options on our Medicare Supplement plans page.
Most Popular Medicare Supplement Insurance Plans in Texas
While there are many choices, most Texas residents choose one of three popular options:
Plan G: This is the most popular plan. It covers 100% of the gaps in Medicare, except for the small annual Part B deductible ($283). Average 2026 Texas premiums generally range from $130 to $250 a month, depending on your age and location. Learn more about Medigap Plan G.
Plan N: This plan offers a great balance of low prices and strong coverage. In exchange for lower monthly premiums (usually $95 to $175), you agree to pay small copays, such as up to $20 for doctor visits and up to $50 for emergency room visits. Learn more about Medigap Plan N.
High-Deductible Plan G: This is a fantastic budget or catastrophic option. It offers very low premiums (often $40 to $70 a month). You pay your own medical bills until you hit a set deductible, and then the plan covers your costs.
2026 Texas Market Disruption Alert
The Texas Medicare market is seeing some big changes this year. Major insurance carriers like UnitedHealthcare and Humana have reduced their Medicare Advantage footprints in several rural and suburban counties in Texas.
If your Medicare Advantage plan is no longer available in your county, you have options. You qualify for a guaranteed issue (GI) window. This gives you a 63-day window to buy a Medigap plan (usually Plan A, B, C*, F*, K, or L) without answering any health questions.Â
*Note: Plans C and F are only available if you became eligible for Medicare before January 1, 2020.
Which Texas senior are you?
We know that every Texas senior has different health needs and budgets. To help you figure out which path makes the most sense for you, take a look at the chart below. It matches common situations with the best Medicare Supplement options for 2026.Â
Senior Profile | Healthcare Needs | Best Fit Plan | Key Benefit for You |
The Specialist Seeker | Needs unrestricted access to top-tier Texas hospitals like MD Anderson or Baylor Scott & White without waiting for network approvals or referrals. | Plan G | Covers 100% of Medicare gaps (except the Part B deductible). Total freedom to see any doctor who accepts Medicare nationwide. |
The MA-Exit Senior | Your current Medicare Advantage plan is terminating, dropping your doctor, or reducing its footprint in your Texas county for 2026. | Guaranteed Issue (GI) Right | Skip medical underwriting completely. You have a 63-day window to secure a stable Medigap plan with no health questions asked. |
The Rural Texan | Lives in a suburban or rural Texas ZIP code where managed care networks are thin, limited, or shrinking. | Standard Medigap (Plan G or Plan N) | Peace of mind knowing your coverage is accepted by any local clinic or doctor that takes Original Medicare—no regional network restrictions. |
Texas Medicare Enrollment Periods and Switching Rules
Timing matters when buying a policy. Your Initial Enrollment Period is the most important six-month window for Texas seniors. It starts the month you are both 65 or older and enrolled in Medicare Part B.
During this six-month window, you have a legal right to buy any Medigap plan from any company. Insurance companies cannot look at your health history, they cannot use medical underwriting, and they cannot deny you coverage or charge you more for pre-existing conditions.
If you try to buy a plan outside of this window—or without a special guaranteed issue event—Texas insurance companies can ask health questions, require a physical exam, charge higher rates, or deny you coverage entirely.
Read more about Medicare enrollment periods.
How Texas Carriers Rate Your Policy
When you shop for a plan, it helps to understand how companies set their prices. Texas insurance companies use three main pricing structures:
Attained-Age Rated: This is the most common type in Texas. Your price starts out low when you sign up at age 65, but your premium will automatically go up each year as you get older.
Issue-Age Rated: Your price is based solely on your age when you first bought the policy. Your rates will not go up just because you get older (though they can still go up due to general inflation).
Community-Rated: Everyone who lives in the same geographic area pays the same monthly premium, regardless of how old they are.
SelectQuote can help you compare the long-term costs of these different rating systems. We want to make sure you are not hit with surprise price hikes when you turn 75 or 80. Learn more about how Medicare costs are determined.
Medicare Supplement Carriers in Texas
SelectQuote works as an independent shop. We compare options from many of the top trusted insurance companies in Texas, including:
Blue Cross Blue Shield of Texas
Mutual of Omaha
Cigna
Three Ways to Save on Texas Medigap Premiums
You do not have to pay top dollar to get quality coverage. Here are three simple ways we can help you lower your monthly bill:
Household Discounts (HHD): Many insurance companies in Texas offer a 5% to 12% discount if you live with another adult. Some companies require both of you to sign up for a plan, while others just require that you have lived together for a certain amount of time.
Medicare Select Options: If you are willing to use a specific network of local hospitals for non-emergency care, you can choose a Medicare Select plan to lower your premium.
EFT Discounts: Many companies will automatically lower your bill by up to $5 a month if you set up automatic monthly bill pay (EFT) from your bank account.
Frequently Asked Questions
Does Texas have a birthday rule?
No. Texas does not have a birthday rule that allows you to switch Medigap plans each year around your birthday without health questions. This is why making the right choice during your Initial Enrollment Period is so important.
Can I use my Texas Medigap plan in other states?
Yes. Your Medicare supplement plan is nationwide. You can use it anywhere in the United States at any hospital or clinic that accepts Original Medicare.
What is the Part B excess charge in Texas?
By law, doctors who do not accept the standard Medicare payment rate can charge up to 15% more than the approved amount. This is called an excess charge. Texas allows these charges, but Plan G covers them 100%, so you do not pay extra.
Can I get a Medigap plan in Texas if I am under 65 and on disability?
Yes! Thanks to a Texas law, HB 2516, insurance companies must offer Medigap plans to disabled individuals under 65, just like they do for seniors. There is a special enrollment period for this running from October 15, 2026, through March 31, 2027.
What are trial rights, and how do they work for Texans in 2026?
If you tried a Medicare Advantage plan for the very first time and decide you do not like it, you have a 12-month trial right. Within your first year, you can drop the Medicare Advantage plan and switch back to Original Medicare and buy a Medigap plan with no health questions asked.
Sources:
Texas Department of Insurance (TDI) - Medicare Supplement Insurance Guide Overview
Medicare.gov - Standardized Medigap Plan Benefits and Enrollee Rights
Texas Legislature Online - House Bill 2516 (Expanded Medigap access for individuals under 65 on disability)
CMS Medicare and Medicaid Statistics - CMS Summary Statistics on Beneficiary Enrollment
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