What is the best Medicare Supplement plan in Texas in 2026?

Plan G is the most popular Medicare Supplement plan in Texas for new enrollees in 2026. It covers everything Medicare covers except the Part B deductible ($283 in 2026), giving you near-zero out-of-pocket costs with any doctor who accepts Medicare. For those who qualify, Plan N offers lower premiums with small copays.

How much does Medicare Supplement Plan G cost in Texas?

Filed Plan G rates for a 65-year-old in Texas run from $129.92 to $284.86 per month across 24 carriers (CSG Actuarial data as of 2026-07-12). Because plan letters are federally standardized, a Plan G from one carrier covers the exact same benefits as Plan G from any other — the only real difference is price and rate increase history. Comparing carriers is the best way to get the most coverage for your dollar.

Which companies offer Medicare Supplement plans in Texas?

24 carriers filed Plan G rates in Texas in our latest CSG snapshot. They include Bankers Fidelity — which currently holds the lowest filed Plan G rate in the Texas market — plus Medico (Wellabe), WoodmenLife, Humana, and Mutual of Omaha, the five carriers we publish detailed reviews for, along with major national and regional carriers. Rates vary by carrier and rating area. An independent broker like MedicareYourself can compare all available options for you at no cost.

Does Texas have special Medigap enrollment rules?

Like all states, Texas follows the federal Medigap Open Enrollment Period: a 6-month window starting the month you turn 65 and enroll in Medicare Part B. During this window no carrier can deny you coverage or charge more based on health. Enrolling during this window locks in the best possible terms — do not miss it.

What is the difference between Medigap Plan G and Plan N in Texas?

Plan G covers all Medicare cost-sharing except the Part B deductible. Plan N also skips the Part B deductible but adds copays of up to $20 per doctor visit and up to $50 per ER visit. Plan N typically costs less per month than Plan G, making it a good option if you rarely visit specialists.

Can I keep my doctors with a Medicare Supplement plan in Texas?

Yes. Medicare Supplement plans work with any doctor or hospital in the United States that accepts Original Medicare — there are no networks. That matters in a state as big as Texas: whether your doctors are at Houston Methodist, MD Anderson, UT Southwestern in Dallas, or a rural hospital in West Texas, they all take your coverage if they take Medicare — and it travels with you across the state and the country.

What free Medicare counseling does Texas offer?

HICAP — Texas's Health Information, Counseling and Advocacy Program — provides free, unbiased Medicare counseling through local Area Agencies on Aging; call 1-800-252-9240. The Texas Department of Insurance regulates Medigap plans sold in the state. MedicareYourself works alongside these programs by adding multi-carrier filed-rate comparisons and enrollment assistance.

Do Medicare Supplement plans in Texas cover prescription drugs?

No. Medicare Supplement (Medigap) plans do not include prescription drug coverage. To get drug coverage, you would enroll in a separate standalone Medicare Part D prescription drug plan. Our team can help you pair a Medigap plan with the right Part D plan during a single call at 855-559-1700.

Can I switch Medicare Supplement carriers later in Texas?

Yes, you can apply to switch carriers at any time, but outside of a guaranteed issue situation you may need to answer health questions and pass medical underwriting. Because all Plan G policies cover the same federally standardized benefits, switching is often done to find a lower premium — especially after a carrier files a large increase, as several Texas carriers did for 2026.

Best Medicare Supplement Plans in Texas (2026)

By Anthony Orner, Independent Licensed Medicare Insurance Broker — appointed with multiple carriers, TX, NJ & 33 other states

5.0 · 142 Google reviews, all five stars

The short answer: Plan G is the best Medicare Supplement plan for most Texas residents in 2026. It covers nearly all out-of-pocket Medicare costs, lets you use any doctor who accepts Medicare, and filed rates run $129.92–$284.86/month at age 65 depending on your carrier.

Plan G is the same plan at every carrier — same benefits, federally standardized. The difference is price and how aggressively carriers raise rates over time, and several Texas carriers filed double-digit increases for 2026. Whether you're in the DFW Metroplex, Greater Houston, or the Hill Country, below we explain your options, current filed rates, top carriers, and how to choose.

Last reviewed: August 2026 · Filed-rate data as of 2026-07-12 · Sources: CSG Actuarial, CMS.gov, Texas Department of Insurance

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Texas Medigap Filed Rates at a Glance (age 65)

Carrier filed rates from CSG Actuarial as of 2026-07-12 — sample ZIP 77002 (Houston), female, non-tobacco. Identical benefits at every carrier; only the price differs.

Plan	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
Plan GMost Popular	$129.92	$284.86	$154.94	24
Plan N	$99.14	$243.00	$143.86	23

Full breakdowns: Medicare Supplement cost in Texas by age · Texas Medigap Rate Index 2026

How to Get the Best Medigap Coverage in Texas

Plan Letters Are All the Same

A Plan G from one carrier covers the exact same benefits as Plan G from any other. Federal law standardizes every plan letter — same product, different price. Your job is finding the best price from a stable carrier.

Rate Increase History Matters

Some carriers raise premiums gently — Bankers Fidelity's last Texas filing was +4.9%. Others don't: WoodmenLife filed +41.6% effective February 2026, and Mutual of Omaha has filed four consecutive increases. Over 10 years those differences compound dramatically. We show you each carrier's filing history — not just today's lowest quote.

TDI Oversight

The Texas Department of Insurance (TDI) regulates all Medigap plans sold in the state. Free counseling is available through HICAP at 1-800-252-9240.

Medigap Plans Available in Texas (2026)

All plans are standardized by CMS — Plan G from one carrier covers the same benefits as Plan G from any other. The only difference is price and customer service.

Plan	What It Covers	Best For
Plan A	Basic benefits only	Very healthy, minimal use
Plan B	Basic + Part A deductible	Low hospital risk
Plan GMost Popular	Everything except Part B deductible	Most people — best value
Plan N	Plan G minus small copays	Healthy, want lower premiums
Plan K	50% cost-sharing up to out-of-pocket max	Younger, very healthy
Plan L	75% cost-sharing up to out-of-pocket max	Budget-conscious, healthy

Source: Medicare.gov standardized plans. Plan F is only available to those who became Medicare-eligible before January 1, 2020.

Texas Medigap at a Glance (2026)

Every Texas Medicare Supplement decision comes down to a handful of questions. Pick the one that fits your situation and jump to the full breakdown.

Cost

How much does Medicare cost in Texas?

Filed Plan G and Plan N rates by age, total monthly scenarios, and 2026 deductibles.

Rate Data

Texas Medigap Rate Index

The full dataset: lows, highs, spreads, and named-carrier filings including the market's cheapest.

Get Help

Texas Medicare Broker

Free multi-carrier comparisons by phone or video for every Texas ZIP.

Your Region

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DFW Metroplex · Greater Houston · Central Texas

What's Changed for Texas Medicare in 2026

• Part B premium: $202.90/month standard premium — up from $185.00 in 2025.
• Part B deductible: $283 — the one cost Plan G doesn't cover.
• Part A deductible: $1,736 per benefit period — Plan G covers this in full.
• Carrier activity in Texas: 24 carriers file Plan G rates with a $154.94/month gap between cheapest and most expensive for identical benefits. WoodmenLife filed +41.6% effective February 2026; Mutual of Omaha +25% effective July 2026.
• Medigap OEP reminder: Your 6-month federal Open Enrollment window is the one chance to enroll in any plan with no health questions.

Medicare Supplement Questions — Texas

Compare Live Texas Medicare Supplement Rates

Enter your zip code to see real carrier rates for your age and plan. Rates are from CSG Actuarial and updated daily.

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Real carrier rates for your zip code — updated daily

For free, unbiased state counseling, contact HICAP — Texas's Health Information, Counseling and Advocacy Program at 1-800-252-9240.

We also help beneficiaries in other states. New Jersey · Pennsylvania · Ohio

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