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Medicare Special Enrollment After Losing Coverage in Texas

Statewide · Medicare Advantage guide

If you delayed Medicare because you had employer or union coverage, losing that coverage may open a Special Enrollment Period to sign up for Part B and choose Medicare Advantage or Part D.

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2027 Annual Enrollment runs October 15 – December 7. A licensed Texas agent compares Medigap, Advantage and Part D plans for your doctors and prescriptions.

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New to the area or comparing options? Read our Katy Health Insurance Guide — local hospitals, plan types and enrollment dates explained.

Your Medicare options in Texas

Medicare Supplement (Medigap)

Plan G and Plan N cover most of what Original Medicare leaves behind. See any doctor nationwide who accepts Medicare.

Medicare Advantage (Part C)

All-in-one plans, many with $0 premiums, drug coverage and extras like dental and vision. Networks vary by county.

Part D drug plans

Stand-alone drug coverage. Per CMS, the 2026 maximum deductible is $615 and the yearly out-of-pocket cap is $2,100 (indexed annually).

Key Medicare dates for Texas

  • Turning 65: 7-month Initial Enrollment Period around your birthday month — turning-65 guide.
  • Annual Enrollment: October 15 – December 7, coverage starts January 1.
  • Medicare Advantage Open Enrollment: January 1 – March 31, one plan switch.
  • See what's new: Advantage 2026 vs 2027 and Part D 2026 vs 2027.

Key points

  • Coverage based on current employment may let you delay Part B without a late penalty.
  • When that coverage or the employment ends, a Special Enrollment Period may apply.
  • COBRA and retiree coverage generally don't count as current-employment coverage for Part B.
  • Losing Medicaid or Extra Help can also create a Special Enrollment Period.
  • Confirm timing with Social Security, Medicare.gov or 1-800-MEDICARE.

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Schedule your Medicare review

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Or call now — no wait 800-214-8976

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Medicare in Texas: common questions

More Medicare guides

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We do not offer every plan available in your area. Currently we represent multiple organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (in Texas, HICAP) to get information on all of your options. Medicare Advantage and Part D plan availability, premiums and benefits vary by county and change each year.