Medicare Supplement Plans in Texas: 2026 Guide
Texas is the third-largest Medicare market in the US. Houston, Dallas, San Antonio, and Austin have strong insurer competition. Texas uses attained-age rating, so premiums increase with age. Shopping regularly is important.
Plan G vs Plan N in Texas: 2026 Premiums
The two most popular Medigap plans in Texas are Plan G and Plan N. Here's how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Average monthly premium (age 65) | $138/mo | $110/mo |
| Premium range (age 65) | $110–$230/mo | $88–$184/mo |
| Part B deductible ($283/yr) | You pay | You pay |
| Doctor visit copay | None | Up to $20 |
| Emergency room copay | None | Up to $50 (waived if admitted) |
| Part B excess charges | Covered | Not covered |
| Foreign travel emergency | 80% (after $250 deductible, up to $50K) | 80% (after $250 deductible, up to $50K) |
| Monthly savings vs Plan G | N/A | ~$28/mo |
Premiums are averages for a 65-year-old non-smoking female. Actual rates vary by insurer, age, gender, and tobacco use. Always compare multiple quotes.
Attained-Age Rating in Texas
Texas uses attained-age rating, the most common method nationwide. Your premium is based on your current age and increases each year as you get older, often 2–5% annually just from aging, on top of any general medical inflation increases. When comparing quotes at age 65, ask each insurer for their historical rate increase data so you can project costs at age 70, 75, and 80.
Guaranteed-Issue Rights in Texas
Standard federal protections apply. Texas is a very large market with strong competition.
The most important guaranteed-issue period for most people is the Initial Enrollment Period (IEP): the 6-month window that begins when you are both age 65 (or older) and enrolled in Medicare Part B. During this window, all insurers must accept your application at their standard rates regardless of your health history.
Texas Plan G Costs in Context
At an estimated $138/month for a 65-year-old, Plan G in Texas ranks #27 of 51 among states and DC from lowest to highest cost, sitting 2% above the national median of $135/month in our dataset. Texas is home to about 4,800,000 Medicare beneficiaries (#3 by enrollment), so insurer competition is generally stronger than in smaller states.
Texas uses attained-age rating, so the $1,656 a year implied by today's Plan G premium is a starting point that typically rises as you age. Ask each insurer for its rate-increase history before you commit.
Plan G vs Plan N break-even in Texas
Plan N costs about $28 less per month than Plan G here, or roughly $336 a year. Because Plan N can charge up to $20 per office visit and up to $50 per emergency room visit that does not lead to admission, that saving is used up after about 16 office visits or 6 ER visits in a year (the copays are maximums, so real-world break-even is often a little higher). Plan N also does not cover Part B excess charges.
| Care use in a year | Plan G total | Plan N total (max copays) | Lower cost |
|---|---|---|---|
| Light use: 2 office visits, no ER | $1,939 | $1,643 | Plan N |
| Typical use: 6 office visits, no ER | $1,939 | $1,723 | Plan N |
| Regular use: 12 office visits, 1 ER visit | $1,939 | $1,893 | Plan N |
| Heavy use: 20 office visits, 2 ER visits | $1,939 | $2,103 | Plan G |
Totals add twelve months of the estimated age-65 premium to the $283 Part B deductible (2026) that both plans leave to you, plus Plan N copays at their maximum. They exclude Part B premiums and Part D. Actual quotes vary by insurer, age, gender, and tobacco use.
How Texas compares with nearby states
Other Southwest states with similar Plan G pricing, for comparison:
| State | Plan G (age 65) | Plan N (age 65) | Rating method |
|---|---|---|---|
| Texas | ~$138/mo | ~$110/mo | attained age |
| Arizona | ~$135/mo | ~$110/mo | attained age |
| New Mexico | ~$126/mo | ~$101/mo | attained age |
| Oklahoma | ~$115/mo | ~$92/mo | attained age |
Top Medicare Supplement Insurers in Texas
These carriers are among the most active in Texas's Medigap market. Compare quotes from at least 3–4 insurers before enrolling.
- UnitedHealthcare
- Humana
- Blue Cross Blue Shield of Texas
- Mutual of Omaha
Note: Availability and rates vary. The above are frequently quoted carriers in Texas, not an endorsement. Always verify current availability and rates directly with each insurer.
Texas Department of Insurance
The Texas Department of Insurance regulates Medicare Supplement insurance in Texas. If you have a complaint about an insurer or need help understanding your rights, contact them directly:
Enrollment Tips for Texas Residents
- Enroll during your open enrollment window. The 6-month window starting when you first get Part B at 65 is your best chance, guaranteeing acceptance at standard rates.
- Compare at least 3 quotes. Premiums for identical coverage can vary by 30–50% between insurers. Use a licensed broker or comparison tool.
- Ask about rate history. In attained-age states like most, ask each carrier for their 5-year rate increase history before committing.
- Consider your typical healthcare usage. Frequent users benefit most from Plan G; occasional users can often save with Plan N.
- Factor in age increases. Plan G at $150/month at 65 may cost $200+ at 75 under attained-age rating. Project forward before deciding.
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What is the best Medicare Supplement plan in Texas?
Plan G is the most popular Medicare Supplement plan in Texas and nationally. It covers everything Medicare doesn't pay except the Part B deductible ($283 in 2026). For budget-conscious beneficiaries comfortable with small copays, Plan N, which costs roughly $28/month less than Plan G in Texas, is an excellent alternative. The "best" plan depends on your health, budget, and how often you use medical services.
How much does Medicare Supplement cost in Texas?
Average Plan G premiums in Texas for a 65-year-old non-smoking female range from approximately $110–$230/month, with a typical starting rate around $138/month in 2026. Plan N averages $110/month at age 65. Premiums vary by insurer, your exact age, gender, and tobacco use. Always compare quotes.
What rating method does Texas use for Medicare Supplement?
Texas uses attained-age rating, the most common method. Premiums are based on your current age and increase each year as you get older. Shopping annually can help manage rising costs.
Does Texas have a Medigap Birthday Rule?
No, Texas does not currently have a Birthday Rule. Outside of your initial 6-month open enrollment period (when you first enroll in Medicare Part B), you can generally only switch Medigap plans if you qualify for a Special Enrollment Period or can pass medical underwriting.
When is the best time to enroll in Medicare Supplement in Texas?
The best time to enroll is during your Initial Enrollment Period (IEP): the 6 months starting the month you turn 65 AND are enrolled in Medicare Part B. During this window, insurers must accept you regardless of health status at their best available rates. After this window closes, you may be subject to medical underwriting in most states.
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This site provides general information about Medicare Supplement insurance and medical alert devices. It is not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any government agency. This is not medical or insurance advice. Always consult a licensed insurance professional for personalized guidance.
Medicare rules, premiums, and plan availability change annually. Always verify current information with Medicare.gov, your State Insurance Department, or a licensed insurance advisor. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.