Medicare costs · Texas · 2026
How Much Does Medicare Cost in Texas? (2026)
What Medicare costs in Texas depends on the path you choose. Everyone pays the federal Part B premium ($202.90/month in 2026). From there, a Medicare Advantage plan can be $0 in premium (you pay copays as you go, capped each year), while Original Medicare + a Medigap plan trades a higher monthly premium for very predictable, low out-of-pocket costs. Texas is a competitive market, so Medigap here is generally cheaper than in Florida — a 65-year-old often sees Plan G around $125–$205/month.
Typical 2026 ranges, reviewed by the licensed agents at Giron Agency. Your exact rate depends on age, ZIP, gender, tobacco, and health — we pull live quotes free.
2026 Medicare costs in Texas
| What | Typical 2026 cost | Notes |
|---|---|---|
| Medicare Part B premium | $202.90/mo | Federal; higher for high earners (IRMAA) |
| Part B deductible | $283/yr | Then 20% coinsurance with no cap on Original Medicare alone |
| Medicare Advantage premium | $0–$50/mo | Many $0 plans in TX metros (plus your Part B premium) |
| MA out-of-pocket max | up to $9,250/yr | In-network cap that protects you |
| Medigap Plan G | $125–$205/mo | Then near-zero cost sharing after the Part B deductible |
| Medigap Plan N | ~$95–$165/mo | Lower premium; small copays at the doctor/ER |
| Part D drug plan | $0–$60/mo | 2026 out-of-pocket drug cap is $2,100/yr |
| Final expense (burial) | ~$30–$80/mo | For $10k–$15k of coverage, by age & health |
What changes your price
- •Your age and ZIP code
- •Gender and tobacco use (for Medigap and life policies)
- •Which path and plan you choose (Advantage vs. Medigap + Part D)
- •For Medigap: whether you apply during your no-health-questions window or later (underwriting)
- •Your income — high earners pay more for Part B (IRMAA); lower incomes get ACA/Extra Help
Texas note: Texas Medigap premiums run lower than Florida's, and the Advantage market is competitive (lots of $0-premium options in Houston, Dallas, San Antonio, Austin, Fort Worth). If you became Medicare-eligible early due to disability, Texas's HB 2516 may give you guaranteed-issue Medigap rights most states don't offer.
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Ranges are a start — your actual price depends on you. We'll pull live quotes for your age and ZIP and compare every option, free.
Frequently Asked Questions
How much does Medigap cost in Texas?
For a 65-year-old, Medigap Plan G in Texas is commonly around $125–$205/month and Plan N a bit less, depending on your ZIP, age, gender, and tobacco use. Texas runs cheaper than Florida. We pull live quotes for your exact situation free.
Are there really $0 Medicare Advantage plans in Texas?
Yes — Texas's competitive market means many $0-premium Medicare Advantage plans (you still pay the Part B premium). '$0' refers to the plan premium; you'll have copays up to an annual out-of-pocket max (as high as $9,250 in-network in 2026).
What's the cheapest way to do Medicare in Texas?
Month-to-month, a $0-premium Medicare Advantage plan is usually cheapest up front. Over a year — especially if you use a lot of care — Original Medicare + Medigap can cost less in total because it caps your exposure. We compare both for your situation.