What does Medicare cost per month in Texas in 2026?

$202.90 for Part B, plus $129.92 to $284.86 for Plan G at 65 in Houston, so $333 to $488 a month before a drug plan (CSG Actuarial, 2026-07-12). 24 carriers filed. The bottom of that range is Bankers Fidelity; the top is more than twice it.

Once I turn 65 in Texas, the price goes up every year, right?

In Texas, count on it twice. Most carriers file attained-age rates, so the top filed Plan G goes from $284.86 at 65 to $296.90 at 69. Then come the filings: WoodmenLife +41.6% effective February 2026, Medico +24.28% effective February 2026, Humana +18.02% effective April 2026, Mutual of Omaha +25% effective July 2026. Bankers Fidelity's only filing on record is +4.9% effective August 2025. The starting price is half the decision. The filing history is the other half.

What does a big Texas rate letter do to the monthly bill?

Take the largest one in our data. WoodmenLife's Texas Plan G filed +41.6% effective February 2026. Its current rate of $197.75 at 65 implies a pre-filing rate near $139.65, so the letter added about $58.10 a month, roughly $697 a year, to every policy already on the books. With Part B, the bill moved from about $343 to about $401.

Why does the same Texas carrier quote Houston and Dallas differently?

Texas carriers file by rating area. One carrier can hold a different Plan G rate in Houston, Dallas-Fort Worth, San Antonio, Austin, and West Texas for the same policy. The benefits are federal and identical; only the premium moves. The tables above are the Houston reading. Give us your ZIP and the order of the 24 carriers gets rebuilt for it.

Is there help with the Part B premium in Texas?

Yes. The Medicare Savings Program covers the $202.90 Part B premium for people under its income limits, and Extra Help lowers Part D costs. Texas runs HICAP, the Health Information, Counseling and Advocacy Program, through the Area Agencies on Aging at 1-800-252-9240. It sells nothing. We quote the supplement; HICAP screens the benefits.

What's the deductible with Plan G in Texas, and what's the max out of pocket?

The Part B deductible, $283 in 2026, is the one bill Plan G leaves you. Plan G does not cover it. After that, Medicare-approved charges are paid in full, so the deductible is in effect the yearly maximum for covered care. Plan G also pays the $1,736 Part A deductible for each hospital benefit period. There is no network and no Texas-only version of these numbers.

Does Texas require community rating for Medigap?

No. Texas lets each carrier choose, and most Texas filings are attained-age. Most Texas carriers also rate for tobacco: 31 of 32 carriers in the 2026-07-12 snapshot carried a surcharge, from 10% to 323.4%, averaging about 37.5%. If you use tobacco, ask to be quoted on the tobacco tables from the first call; the cheapest non-tobacco carrier is often not the cheapest tobacco carrier.

When should I buy a Medigap plan in Texas to get the lowest rate?

In the six-month open enrollment window that starts the month you are 65 and on Part B. Inside it no Texas carrier can decline you or add a health surcharge, so the cheapest filed rate, Bankers Fidelity's $129.92 today, is yours regardless of your health history. Outside the window Texas carriers underwrite. Anyone holding a rate letter and thinking about moving is outside it, which is why we check the health questions before we quote.

Is Plan N worth it in Texas?

At the floor it saves $30.78 a month against Plan G, about $369 a year, for copays of up to $20 at the office and up to $50 at the ER and no cover for Part B excess charges. 23 carriers filed Plan N here, from $99.14 to $243.00. Neither plan pays the Part B deductible.

How Much Medicare Costs in Texas in 2026, and What a Rate Letter Adds

By Anthony Orner, Independent Licensed Medicare Insurance Broker, licensed in New Jersey and 34 other states

Last reviewed: September 2026 · CSG Actuarial filed rates as of 2026-07-12 · Sample ZIP 77002, Houston

Short answer

A 65-year-old in Houston pays $333 to $488 a month for Part B plus Plan G in 2026: the $202.90 Part B premium plus a filed Plan G rate of $129.92 to $284.86 across 24 carriers (CSG Actuarial, 2026-07-12). Bankers Fidelity holds the floor at $129.92. The number that changes that bill later is the rate letter. WoodmenLife's Texas block filed +41.6% effective February 2026, the largest single filing in any state we track.

The Texas Medicare bill, 2026

Every month

$202.90 Part B premium (federal, same in every state)

$129.92 to $284.86 Plan G filed rate at 65, by carrier

~$40 Part D drug plan

Every year, or per hospital stay

$283 Part B deductible, you pay it with Plan G or Plan N

$1,736 Part A deductible per benefit period, Plan G and Plan N pay it

$0 Medicare-approved doctor and hospital bills beyond that with Plan G

Filed Plan G Rates in Texas at 65, 67, and 69

24 carriers filed a Plan G rate for a 65-year-old in Houston. Bankers Fidelity is first at $129.92; the highest filing is $284.86. Mutual of Omaha, at $266.26, charges more than twice the floor for the same plan letter. Every row is the same federal Plan G. Only the premium and the carrier's filing habits differ.

Plan G, age	Lowest filing	Highest filing	Difference	Carriers
65	$129.92	$284.86	$154.94	24
67	$129.92	$287.71	$157.79	24
69	$132.52	$296.90	$164.38	24

Source: CSG Actuarial filed rates, 2026-07-12. Sample: ZIP 77002 (Houston), female, non-tobacco, no household discount. Texas carriers file by rating area, so Dallas, San Antonio, Austin, and the Panhandle each get their own numbers; treat this Houston column as one reading, not the whole state. Most filings are attained-age and rise on each birthday.

What a Rate Letter Does to the Texas Bill

WoodmenLife's Texas Plan G is $197.75 at 65 after its +41.6% effective February 2026 filing. Run that backward and the pre-filing rate was about $139.65, so the letter added roughly $58.10 a month. With Part B, the monthly bill went from about $343 to about $401. Every Texas WoodmenLife policyholder enrolled before that date absorbed it. That is the number a rate letter puts in front of you, and the reason to read the filing history before the starting price.

Mutual of Omaha's 4 Texas filings since July 2023 compound to about +85%, ending at $266.26. Medico filed +24.28% effective February 2026. Humana filed +18.02% effective April 2026. Bankers Fidelity's one filing on record is +4.9% effective August 2025, and it is still the floor.

Plan N in Texas Starts at $99.14

23 carriers filed Plan N for this sample, from $99.14 to $243.00. The gap to Plan G at the floor is $30.78 a month. Plan N asks up to $20 at the office and up to $50 at the ER, and does not cover Part B excess charges. In a state where one carrier raised its block 41.6% in a single letter, some callers take Plan N's lower base so the next percentage lands on a smaller number.

Plan N, age	Lowest filing	Highest filing	Difference	Carriers
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 Houston profile as the Plan G table.

Got a Texas rate letter in hand?

Read me the carrier and the new number. I will tell you where it ranks among the 24 filed Plan G rates at your ZIP and whether the health questions are worth it. Carriers pay the broker; your price is the same either way.

Call About My Texas Rate Letter — 855-559-1700

Household Discount in Texas: 4 of 24 Carriers, 11.1% to 20%

The discounted floor is $145.29 at 65. That is above the undiscounted $129.92 floor, which means the cheapest Texas carrier does not offer the discount and a couple can still do better without it. The rule differs by carrier: some need a spouse on the same policy, some accept any adult in the house with Medigap coverage. We quote every Texas carrier with it and without it.

Where Our Reviewed Carriers Sit in the Texas Field

Bankers Fidelity: $129.92, rank 1 of 24, latest filing +4.9% effective August 2025.
Insurance Co of North America (Chubb): $164.83, rank 4 of 24, latest filing no filing on record.
Medico: $175.22, rank 7 of 24, latest filing +24.28% effective February 2026.
WoodmenLife: $197.75, rank 14 of 24, latest filing +41.6% effective February 2026.
Humana: $217.63, rank 18 of 24, latest filing +18.02% effective April 2026.
Mutual of Omaha: $266.26, rank 21 of 24, latest filing +25% effective July 2026.

Rank is a snapshot. The median filed Plan G in Texas is $194.91, and 3 of the 6 carriers we review sit above it. A carrier that is seventh today can be fourteenth after one filing lands.

Two Ways to Pay for Medicare in Texas

Original Medicare plus a drug plan

Part B premium$202.90

Part D drug plan~$40

Monthly total~$243

Original Medicare has no yearly out-of-pocket ceiling; you owe 20% of every Part B bill.

Original Medicare, the lowest filed Plan G, and a drug plan

Part B premium$202.90

Plan G, lowest Texas filing at 65$129.92

Part D drug plan~$40

Monthly total~$373

After the $283 Part B deductible, Plan G pays Medicare-approved charges in full, at any doctor in Texas or out of it who takes Medicare.

Every filed Texas carrier, in order, at your ZIP

Houston's order is not El Paso's. Give us your ZIP and birth date and we read back all 24 Plan G filings and each carrier's last filing.

Get My Texas Ranking — 855-559-1700

Methodology

Rates are the carrier filings CSG Actuarial held on 2026-07-12. The page re-renders when that snapshot moves.
Profile: female, non-tobacco, age as labeled, ZIP 77002 (Houston), no household discount except in the household section.
The pre-filing WoodmenLife rate is arithmetic: the current filed rate divided by one plus the filing percentage. It estimates the prior rate; it is not a filed figure.
The Part B premium and the Part A and Part B deductibles are CMS 2026 amounts imported from a single figures file.
Named-carrier rates, ranks, and filings come from our carrier reviews, dated 2026-07-15.
A carrier count is the number of carriers that returned a filed quote for this profile; it moves when carriers enter or leave Texas.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS, or any carrier. Broker compensation comes from the carrier you enroll with and does not raise your premium.