There is no single best Medicare Supplement plan in Texas for everyone. The right fit depends on your doctors, your budget, and how much cost risk you are comfortable carrying. This guide from Wilkerson Insurance Agency compares the plans Texans look at first for 2027.
Comparing 2027 Medicare Supplement plans in Texas? Request a personalized Texas quote or speak with a local advisor at 214-501-9613.
Key Facts for 2027
- Medigap benefits are set by federal rules, so a plan letter pays the same standardized benefits no matter which carrier sells it.
- Premiums are not standardized. The same plan letter can cost very different amounts from one carrier to the next.
- Plans C and F are closed to people who became eligible for Medicare on or after January 1, 2020.
- CMS usually releases next year's Medicare premiums and deductibles in November, so the 2027 amounts are not final yet.
- Medicare's yearly open enrollment (October 15 to December 7) does not give you a Medigap switching window.
Medicare Supplement Plans in Plain Terms
Original Medicare pays a large share of your care, but it leaves gaps. You usually owe deductibles, coinsurance, and copays, and there is no yearly limit on what you can owe.
A Medicare Supplement plan, also called Medigap, is private insurance that helps pay part of those costs. It works only with Original Medicare, and it does not include drug coverage. Many Texans add a separate Part D plan for prescriptions.
With Original Medicare and a Medigap plan, you can generally see any doctor or hospital in the U.S. that accepts Medicare, without referrals. Our plain-language Medigap guide covers the basics in more detail.
Plan G, Plan N, and High Deductible Plan G
Most new Medigap buyers in Texas compare three choices first. AHIP enrollment data shows Plan G as the most common Medigap plan in Texas, followed by Plan F (closed to newer Medicare members) and Plan N.
| Plan | May Fit You If | Tradeoff |
|---|---|---|
| Plan G | You want steady costs and see specialists often | Higher premium, and you still pay the Part B deductible ($283 in 2026) |
| Plan N | You want a lower premium and accept small visit copays | Copays of up to $20 for some office visits and $50 for some ER visits, and no coverage for Part B excess charges |
| High Deductible Plan G | You keep savings set aside and want a low premium | You pay covered costs up to the deductible first ($2,950 in 2026) |
Plan G
Plan G covers most Original Medicare cost sharing, including Part B excess charges. You pay the Part B deductible, and then Plan G picks up most covered costs for the rest of the year.
Plan N
Plan N pays nearly the same hospital and doctor costs, with two differences. Copays can apply to some office and emergency room visits, and it does not cover Part B excess charges.
Doctors who do not accept Medicare assignment can bill up to 15% above the Medicare-approved amount. Ask your doctors' offices about this before you choose Plan N.
High Deductible Plan G
This plan pays like standard Plan G once you meet the annual deductible. The deductible was $2,950 in 2026, and CMS sets the 2027 amount each fall.
Our Plan G vs. Plan N guide compares cost and copays side by side.
Other Plans You May See in Texas
Texas allows all ten standardized Medigap letters, but each carrier decides which ones it sells. Besides the three above, you may run into these:
- Plan F and Plan C: Open only to people who became eligible for Medicare before January 1, 2020.
- Plan K and Plan L: Lower premiums, with cost sharing and a yearly out-of-pocket limit.
- Plan A and Plan B: Basic coverage, and Plan B adds the Part A deductible.
- Plan D and Plan M: Less common, so availability varies by carrier.
Estimated Medigap Costs in Texas
Your final premium depends on the carrier, your ZIP code, your age, and tobacco use. The ranges below are Wilkerson Insurance Agency's estimated 2026 planning ranges for Texas. They are not quotes, and 2027 rates are not published yet.
| Plan | Estimated Monthly Premium (2026) |
|---|---|
| Plan G | $130 to $250 |
| Plan N | $95 to $175 |
| High Deductible Plan G | $40 to $70 |
For the same Plan G benefits, monthly prices can differ by $100 or more between carriers. Comparing carriers matters as much as choosing the plan letter.
Texas carriers use three main pricing methods:
- Attained age: The premium can rise as you get older.
- Issue age: The premium is based on your age when you buy.
- Community rated: The premium does not start from your age in the same way.
Rates can rise over time under any method, so ask each carrier for its rate history. Our Texas cost guide breaks down the 2026 numbers in more detail.
Medicare Amounts That Reset Each January
Medigap pays part of the Medicare amounts you owe, and those amounts change every year. For 2026, the standard Part B premium is $202.90, the Part B deductible is $283, and the Part A hospital deductible is $1,736 per benefit period.
CMS usually posts the next year's amounts in November. Check Medicare.gov before you finalize a 2027 budget.
Texas Enrollment Windows for Medigap
Timing decides whether a carrier can ask about your health. These are the main situations in Texas:
- Turning 65 with Part B: You get one six-month window, starting the month you are 65 or older and enrolled in Part B. During it, you can buy any Medigap plan sold in Texas, and carriers cannot decline you or charge more because of your health.
- Under 65 with a disability: Texas gives you a six-month window that starts when you enroll in Part B, and it applies to Plan A only. You get a new window when you turn 65.
- Protected situations: Certain events, such as losing employer coverage or a Medicare Advantage plan ending, may give you the right to buy without health questions.
- Any other time: A carrier may ask health questions, and it may decline you or charge more.
Medicare's yearly open enrollment is for Medicare Advantage and Part D plans, not Medigap. Texas also does not have a yearly rule that lets you switch Medigap plans without health questions.
If you are thinking about leaving Medicare Advantage, read about switching from Advantage before you cancel anything.
Which Plan May Fit Your Situation
- Steady costs and frequent specialist visits: Plan G tends to be worth comparing first.
- A lower premium and few doctor visits: Plan N may fit, as long as the copays and excess charges are acceptable to you.
- Good health and savings set aside: High Deductible Plan G may lower your monthly cost, with more risk in a heavy medical year.
- Medicare eligible before 2020: Plan F may still be open to you. Compare it with Plan G plus the Part B deductible.
- A doctor who does not accept Medicare assignment: Plan G covers excess charges, and Plan N does not.
- Travel outside the U.S.: Plans G and N include foreign travel emergency coverage with limits. Plans A, B, K, and L do not.
A licensed agent can run these tradeoffs with your age, ZIP code, and doctors instead of a general rule of thumb.
Want to see how Plan G, Plan N, and High Deductible Plan G compare for your exact age and ZIP code? Request a personalized Texas quote or call 214-501-9613.
Compare Carriers, Not Just Plan Letters
Because benefits are standardized, the real differences are price, rate history, service, and financial strength. The Texas Department of Insurance lists dozens of companies that sell Medicare Supplement plans in the state.
Before you pick a carrier, check these points:
- Pricing method: attained age, issue age, or community rated
- Rate increase history for the plan letter you want
- Household and automatic payment discounts, if offered
- Financial strength ratings from independent rating agencies
- Complaint history, which you can look up through the Texas Department of Insurance
- Medicare Select versions, which may cost less but usually require network doctors and hospitals outside of emergencies
The lowest first-year price is not always the lowest long-term cost. Compare more than one number.
Medigap vs. Medicare Advantage in Brief
Medicare Advantage replaces how you receive Original Medicare with a private plan. It uses networks, copays, and a yearly out-of-pocket limit.
Medigap pairs with Original Medicare. It usually has a higher monthly premium and fewer network limits. Our Medigap vs. Advantage post helps you match each option to your lifestyle.
Coverage Medigap Does Not Include
Medigap does not pay for outpatient prescription drugs, routine dental care, routine vision care, hearing aids, or long-term care. Many Texans fill those gaps with separate coverage:
- Prescription drugs: A separate Medicare Part D plan.
- Dental: See our dental insurance plans and our guide to Medicare dental coverage.
- Vision: See our vision insurance plans.
- In-home care: See our home healthcare plans.
Ready to compare Medicare Supplement options? Request a Personalized Quote.
Five Steps to Choose and Enroll
- Confirm your Part A and Part B start dates, since they set your Medigap window.
- List your doctors, prescriptions, and travel plans.
- Narrow your choices to two or three plan letters using the table above.
- Compare quotes for your ZIP code across several carriers.
- Apply during your open enrollment window or another protected period when you can.
After you request a quote, a licensed Wilkerson agent typically reaches out to confirm your details and compare rates by ZIP code across carriers. You decide whether and when to apply.
Local, Independent Help With Medigap
Wilkerson Insurance Agency has been a licensed, independent Texas insurance agency since 2010. It compares plans across multiple carriers instead of selling one company's product, and agents help clients compare Medicare Supplement plans in Dallas-Fort Worth and Houston.
For Medicare Supplement plans, the carrier sets the premium. Working with an agent typically adds no cost to your premium. Bilingual support in English and Spanish is available through agent Bea Rivas, and you can meet the full group on our team page.
Reviews From Texas Clients
“Without a doubt the best experience I have had with an insurance agency. Mr. Wilkerson took the time to explain the Medicare insurance options I was considering in a way that was easy for me to understand. This allowed me to make the best decision for my needs. I highly recommend The Wilkerson Insurance Agency for all of your insurance needs.”
Reginald Wiley | Google | ★★★★★“LeRoy Wilkerson helped me change my Medicare Supplement Plans. I have had LeRoy's assistance in the past as well. He is always very responsive and professional. He can offer advice and help in negotiating through the Medicare supplement maze. I value his advice.”
John Lentini | Google | ★★★★★5 Stars | 46+ Google Reviews. See our Google reviews.
Areas We Serve
Wilkerson Insurance Agency's office is located in Farmers Branch, TX. Agents serve Medicare clients in:
Plan availability and rates vary by county and ZIP code, so a ZIP-specific quote is the best way to confirm what you can buy. Houston readers can also see our Houston Medicare Supplement broker page.
Frequently Asked Questions
Still have questions before you request a quote? Talk to an agent first, or call 214-501-9613.
Request a Free Medicare Supplement Quote →Disclaimer: This article is for general educational purposes and is not tax, legal, or medical advice. Plan availability, premiums, and eligibility depend on your situation and the carrier, and they can change. A licensed insurance professional can help you apply this information to your situation.
Wilkerson Insurance Agency is not connected with the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or your State Health Insurance Assistance Program for information on all of your options.
