Best Cheap Medicare Advantage Plans in Texas (2025)
AARP/UnitedHealthcare has the best Medicare Advantage plans for most people in Texas.
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Devoted Health also has high-quality plans with low prices, but they're only available in certain parts of Texas, including Houston.
When researching Medicare plans in Texas, ValuePenguin editors considered Medicare Advantage plans that include prescription drug benefits and that operate in at least 10 Texas counties. Our experts looked at monthly rates, plan quality and benefits. A plan's other features such as discounts or extra coverage options were factored in when there was a tie.
Medicare Advantage plans in Texas
AARP/UnitedHealthcare has the best overall Medicare Advantage plans in Texas because of its strong benefits, good customer satisfaction, wide availability and affordability.
Texas Medicare Advantage companies
Company |
Star rating
| Average monthly cost |
|---|---|---|
| Devoted Health | 4.5 | $0 |
Baylor Scott & White Health Plan | 4.3 | $82 |
Cigna | 4.2 | $0 |
Clover Health | 4.0 | $0 |
Prominence Health Plan | 4.0 | $5 |
Data shows the average cost of Medicare Advantage plans with prescription drug coverage offered in Texas and the national average star rating for Medicare Advantage plans on Medicare.gov.
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If you want a top-rated plan, Devoted Health is a regional company that offers high-quality, cheap Medicare Advantage plans in Central and East Texas.
Cigna has the best cheap Medicare Advantage plans in Texas. The company offers highly rated plans that all cost $0 per month.
The average Texan has 45 Medicare Advantage plans to choose from, for the 2025 plan year. Keep in mind that this is an average, and the number of plans available to you depends on where you live.
The best plan for you depends on your health needs, finances and what you're looking for.
For example, a PPO (preferred provider organization) plan is usually a good choice if you want more flexibility with which doctors and hospitals you use, but these plans usually cost a little more. On the other hand, you can often save money by choosing an HMO (health maintenance organization) plan, if you don't mind trading the freedom to see doctors outside your network for a cheaper monthly rate.
Best overall Medicare Advantage in Texas: AARP/UnitedHealthcare
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Star rating
-
Monthly rate
$19 ?
Why it's great
AARP/UnitedHealthcare has good coverage at a reasonable cost and good customer service.
AARP/UnitedHealthcare (UHC) has a good reputation for its Medicare Advantage plans in TX. That's because plans have many extra benefits, good coverage, affordable rates and strong customer service ratings.
You don't need to be an AARP member to buy a Medicare Advantage plan through AARP/UHC. However, annual memberships are affordable at $20 a year. AARP members get a number of benefits, such as discounts at popular restaurants, grocery stores and hotels.
AARP/UnitedHealthcare gets half as many complaints as expected for an average insurance company its size.
AARP/UHC plans start at $0 per month. Plans are available everywhere in Texas. The health benefits have broad coverage, and many plans include a large collection of add-on benefits like vision, dental care and hearing aid coverage.
AARP/UnitedHealthcare offers the third most Medicare Advantage plans in Texas behind Humana and Blue Cross Blue Shield. That means you can buy an AARP/UnitedHealthcare Medicare Advantage plan whether you live in Houston or El Paso.
Best cheap Medicare Advantage in Texas: Cigna
-
Star rating
-
Monthly rate
$0 ?
Why it's great Cigna has cheap plans with good prescription drug benefits.
Cigna has the best deal on Medicare Advantage plans in Texas. All of its plans are free, and the company ranks third for customer satisfaction in a recent J.D. Power survey.
Roughly seven in 10 Texas residents can get a Cigna Medicare Advantage plan. Cigna has a $0 drug deductible for all of its plans in Texas. That makes it a good choice if you need a lot of expensive prescriptions.
Cigna's HMO plans are a better deal than its PPO plans. Not only do they have a lower out-of-pocket maximum, but they also have a high average star rating of 4.5. An HMO plan is a good idea if you want the cheapest rate, and you don't mind extra restrictions on the doctors you can see.
Cigna Medicare Advantage plans offer a variety of benefits Original Medicare doesn't have. In addition to standard extras such as dental, vision and hearing, some Cigna plans also help you pay for gym memberships, transportation to and from doctor visits and even meal deliveries to your home.
Keep in mind that these benefits aren't offered with every Cigna Medicare Advantage plan. It's important to carefully read your plan details before you buy.
Cigna gets roughly one-fifth fewer complaints than an average insurance company its size. A high level of complaints could mean there are difficulties with the claims process, such as longer wait times or poor customer service.
Best Medicare Advantage in Central and East Texas: Devoted Health
-
Star rating
-
Monthly rate
$0 ?
Why it's great
Devoted Health has the highest-rated Medicare Advantage plans, on average, in Texas.
Devoted Health has a strong 4.5-out-of-5-star average from the Centers for Medicare and Medicaid (CMS). Star ratings measure coverage quality for Medicare Advantage plans across a number of important categories.
Roughly half of the Texas population can buy a Medicare Advantage plan from Devoted Health. The company mainly sells plans in Central and East Texas including big cities like Houston, San Antonio and Austin. You can buy a Devoted Health plan in the following counties:
- Atascosa
- Bandera
- Bexar
- Blanco
- Brazoria
- Burnet
- Caldwell
- Chambers
- Comal
- El Paso
- Fort Bend
- Frio
- Galveston
- Gillespie
- Gonzales
- Guadalupe
- Hardin
- Harris
- Hays
- Hudspeth
- Jefferson
- Karnes
- Kendall
- Kerr
- La Salle
- Lampasas
- Lee
- Liberty
- Llano
- Mason
- McMullen
- Medina
- Milam
- Mills
- Montgomery
- Orange
- Real
- San Jacinto
- San Saba
- Travis
- Waller
- Williamson
- Wilson
All but one Devoted Health plan has a $0 rate. The Devoted PREMIUM Greater Houston (HMO) costs $7 per month on average.
Devoted Health also offers several important benefits to its customers. For example, many plans come with a food and home card that gives you a set amount of money you can use to pay for food, household items, rent and utilities. Other common benefits include vision, dental, prescription drugs and fitness program memberships.
Devoted Health only sells HMO plans, which will restrict you to a network of doctors. You also need to get permission from your primary doctor before seeing a specialist.
Consider a PPO plan from Aetna if you want more flexibility.
Aetna offers the highest-rated PPO plans in Texas and charges affordable monthly rates.
Baylor Scott & White (BSW) is another small insurance company with highly rated plans. However, its rates are more expensive than the Texas state average. Baylor Scott & White plans are available in central-east Texas between Dallas and Austin.
Keep in mind that BSW may not have as wide of a hospital network as some of the larger insurance companies.
How to apply for Medicare Advantage in Texas
Whether you're applying for Medicare for the first time or you're updating your coverage during the annual open enrollment period, there are important things to keep in mind when getting the best coverage for your needs at the most affordable rate. Remember, these are five important steps when applying for Medicare in Texas.
- Find out if you're eligible for Medicare: You become eligible for Medicare when you turn 65 or through a qualifying disability or medical condition such as ALS or kidney failure. Enrolling in Medicare starts by applying for benefits through the Social Security Administration, after which you'll get your Medicare card.
- Choosing your plans: Each year, you should review the plans offered in your area through Medicare.gov. This can help you compare coverage options and choose plans for Medicare Advantage (Part C).
- Compare costs: In Texas, it costs an average of $21 per month for a Medicare Advantage plan with prescription drug benefits. However, plans cost anywhere from $0 to $243 per month. It's important to remember that plans with more expensive rates tend to have better coverage.
- Discounts and savings: If you meet certain income requirements in Texas, you can get lower rates on the different parts of Medicare through programs such as Extra Help.
- Local resources: You can get personalized help through the Texas Health & Human Services Commission. Benefits counselors will help you compare plans and find the best coverage for you.
Texas Medicare enrollment statistics
- Medicare enrollees in Texas: 4.7 million
- Number of Medicare Advantage companies in Texas: 16
- Average monthly Medicare Advantage cost in Texas: $21
- Average monthly Medicare Part D cost in Texas: $67
Frequently asked questions
What's the best Medicare Advantage plan in Texas?
AARP/UnitedHealthcare offers the best overall Medicare Advantage in Texas. These high-quality plans offer a good value at an average cost of $19 per month. Cigna has the best deal on cheap coverage. Devoted Health has highly-rated, affordable coverage, but plans are only available to roughly half the state's population.
Is Medicare free in Texas?
All Medicare enrollees need to pay $185 per month forMedicare Part B (medical insurance). Some Medicare Advantage plans also charge a monthly rate that you have to pay directly to your insurance company, although most Medicare Advantage plans have no monthly cost.
How much is a Medicare Advantage plan in Texas?
Medicare Advantage plans with prescription drug coverage in Texas cost $21 per month, on average. Plans with no monthly rates are also available everywhere in Texas.
Methodology and sources
Analysis of Texas Medicare plans is based on public use files from the Centers for Medicare & Medicaid Services (CMS) as well as company details and third-party data from the National Association of Insurance Commissioners (NAIC) and J.D. Power.
Rates are for a 65-year-old woman who doesn't smoke. Your quotes may differ.
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Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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