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When Can You Switch Medicare Advantage Plans in Texas?

Statewide · Medicare Advantage guide

Medicare sets specific windows for changing Medicare Advantage plans. Most Texans switch during Annual Enrollment, October 15 – December 7, with the new plan starting January 1. Two other windows may also apply depending on your situation.

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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

  • Annual Enrollment (October 15 – December 7): switch Advantage plans, join one, or return to Original Medicare. Changes start January 1.
  • Medicare Advantage Open Enrollment (January 1 – March 31): if you're in an Advantage plan, you can make one change.
  • Special Enrollment Periods: certain life events, such as a move or loss of other coverage, may allow a change at other times.
  • Initial Enrollment: when you first get Medicare, you can choose an Advantage plan.
  • Medicare.gov and 1-800-MEDICARE can confirm which window applies to you.

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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.