How much does Medicare cost per month in Texas in 2026?

The base cost of Medicare in Texas is the Part B premium of $202.90/month (2026), which everyone pays regardless of which plan they choose. If you add a Medigap Plan G, filed rates for a 65-year-old run $129.92 to $284.86/month across 24 carriers (CSG Actuarial data as of 2026-07-12) — totaling roughly $333 to $488/month for comprehensive coverage with no networks and near-zero out-of-pocket costs.

Is Medicare free in Texas?

Medicare Part A (hospital insurance) is free for most people who worked and paid Medicare taxes for at least 10 years. Part B (medical insurance) costs $202.90/month in 2026. Part D (drug coverage) averages $30–$50/month. Medigap coverage is optional but eliminates most cost-sharing. There is no such thing as completely free comprehensive Medicare coverage.

How much does Medigap Plan G cost in Texas in 2026?

Filed Plan G rates for a 65-year-old Texas resident range from $129.92 to $284.86 per month across 24 carriers (CSG Actuarial, as of 2026-07-12). The benefits are federally identical at every carrier — only the price and the carrier's rate-increase history differ. Several Texas carriers filed double-digit increases for 2026, which is why comparing both the rate and the filing history matters.

Why do Texas Medigap premiums vary by city and ZIP code?

Texas Medigap carriers price by rating area, so the same carrier's Plan G can cost a different amount in Houston than in Dallas–Fort Worth, San Antonio, Austin, or rural West Texas. The coverage is identical; only the price changes. On top of that, most Texas carriers use attained-age rating, so the premium also climbs as you get older. Comparing carriers at your specific ZIP code is essential.

Does Texas have income-based help paying for Medicare?

Yes. The Medicare Savings Program (MSP) can pay your Part B premium if you qualify based on income, and Extra Help (Low Income Subsidy) assists with Part D drug costs. Free, unbiased Medicare counseling is available through HICAP — Texas's Health Information, Counseling and Advocacy Program — at 1-800-252-9240 via your local Area Agency on Aging.

What is the Medicare Part B deductible in Texas in 2026?

The Medicare Part B deductible is $283 in 2026 — this is a federal amount that applies nationwide, not Texas-specific. Plan G covers everything except this deductible. Plan F covers it entirely but is only available to those who became Medicare-eligible before January 1, 2020.

Does Texas use community rating for Medigap premiums?

No. Texas does not require community rating for Medicare Supplement plans. Carriers choose their own pricing method, and most Texas Medigap carriers use attained-age rating, meaning your premium rises as you get older. Most Texas carriers also file separate tobacco rates. Because the method varies by carrier, compare both the starting rate and how the rate behaves over time, not just the age-65 price.

When is the best time to buy a Medigap plan in Texas to get the lowest cost?

The best time is during your 6-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B. During this window, you have guaranteed issue rights — carriers cannot deny you or charge more due to health. Outside this window, Texas insurers can use medical underwriting. Call 855-559-1700 to review your options.

What is the Part A hospital deductible in Texas for 2026?

The Medicare Part A hospital deductible is $1,736 per benefit period in 2026. This is a federal amount and applies in every state, including Texas. Medigap Plan G and Plan N both fully cover this deductible, which is one of the main reasons many Texas beneficiaries add a supplement.

How Much Does Medicare Cost in Texas in 2026?

By Anthony Orner, Licensed Medicare Insurance Broker — TX, NJ & 33 other states

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

Quick answer

Most Texas residents with comprehensive Medigap coverage (Plan G) pay $333–$488/month total — that is the $202.90 Part B premium plus a filed Plan G rate of $129.92–$284.86 at age 65, depending on carrier. In return, they have near-zero out-of-pocket costs and can see any doctor in the US who accepts Medicare — no networks, no referrals. The carrier you pick is the single biggest cost lever: the benefits are federally identical, but the filed rates are $154.94/month apart.

2026 Cost Breakdown for Texas Medicare

Monthly Costs

$202.90 Part B premium

$129.92–$284.86 Plan G filed rates (age 65)

~$40 Part D drug plan

Annual Deductibles

$283 Part B (you pay this even with Plan G)

$1,736 Part A per benefit period (Plan G covers it)

$0 out-of-pocket after the Part B deductible with Plan G

What Plan G Actually Costs in Texas — Filed Rates by Age

These are carrier filed rates from CSG Actuarial as of 2026-07-12 — the real prices insurers filed with regulators, not marketing teasers. Every Plan G below covers the exact same federally standardized benefits.

Plan G — age	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
65	$129.92	$284.86	$154.94	24
67	$129.92	$287.71	$157.79	24
69	$132.52	$296.90	$164.38	24

Sample: ZIP 77002 (Houston), female, non-tobacco, no household discount. Carriers price by rating area within Texas, so your ZIP may differ from this Houston sample. Most Texas carriers use attained-age rating, so premiums also rise with age.

Plan N Filed Rates by Age (Texas)

Plan N trades small copays (up to $20 per doctor visit, up to $50 per ER visit) for a lower premium — filed rates start at $99.14/month at age 65.

Plan N — age	Lowest filed rate	Highest filed rate	Monthly spread	Carriers quoting
65	$99.14	$243.00	$143.86	23
67	$99.14	$269.00	$169.86	23
69	$101.12	$296.00	$194.88	23

Same sample profile as Plan G above.

Household Discounts Can Lower Your Cost

4 of 24 Texas Plan G carriers offer a household discount worth 11.1%–20% off the monthly premium. With the discount applied, filed Plan G rates start at $145.29. If you and your spouse are both enrolling, the discount can change which carrier is actually cheapest for your household.

Named-Carrier Examples (Plan G, age 65)

From our published carrier reviews (July 2026 CSG dataset): Bankers Fidelity holds the lowest filed Plan G rate in the entire Texas market at $129.92/month (rank 1 of 24, after a gentle +4.9% filing effective August 2025), Medico (Wellabe) files $175.22 (rank 7, after a +24.28% filing effective February 2026), and Mutual of Omaha files $266.26 (rank 21, after four consecutive increases ending at +25% effective July 2026). A carrier's rate-increase history matters as much as its starting price.

Total Monthly Cost Scenarios

Original Medicare Only

Part B premium$202.90

Part D drug plan~$40

Monthly total~$243

⚠️ Unlimited out-of-pocket exposure — 20% of all Part B costs with no cap

Plan G + Part D (Recommended)

Part B premium$202.90

Medigap Plan G (lowest filed)$129.92

Part D drug plan~$40

Monthly total~$373

✅ Near-zero out-of-pocket — only the $283 Part B deductible per year

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Methodology

Medigap rates are carrier filed rates from CSG Actuarial as of 2026-07-12, not marketing quotes.
Sample profile: female, non-tobacco, ZIP 77002 (Houston); ages as labeled; household discount excluded except where noted.
Federal figures (Part A/B deductibles, Part B premium) are 2026 amounts from CMS.gov.
Carrier counts reflect carriers returning a filed quote for this profile; carriers can enter or exit between snapshots.
Figures refresh automatically when the underlying CSG snapshot updates; the as-of date above always reflects the current data.