Houston-area carriers, real enrollment data, free quotes from a licensed Texas agent.
✓ Free • no obligation • about 90 seconds
Matt Giron
Licensed in Texas
Harris County, TX has 659,658 Medicare beneficiaries per CMS Q1 2024 data, with about 62% enrolled in Medicare Advantage. The top medicare advantage carriers are Humana Gold Plus H4007, WellCare Texan Plus, UnitedHealthcare AARP Medicare Advantage Plan 1. We compare these plans for free and never charge a fee.
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Harris County posts one of the highest Medicare Advantage adoption rates in Texas — roughly 62% of its 659,658 beneficiaries chose an MA plan over Original Medicare. That level of uptake usually means carriers compete hard locally, so the extra benefits (dental, OTC allowance, transportation, gym) tend to be richer than the Texas average. Only 12% of Harris residents are 65 or older, so it's a younger county where fewer agents specialize in Medicare locally — exactly the gap a dedicated Texas agent fills. Humana Gold Plus H4007 currently leads the county by enrollment, but the lowest total-cost plan for your specific drugs and doctors is often a smaller carrier — which is why we run all of them side by side instead of pushing the biggest name. Right now roughly 47 Medicare Advantage plans are available in Harris County, so a side-by-side comparison genuinely matters. Medicare Advantage enrollment figures reflect the latest CMS data (May 2026).
What makes Harris County different: Nearly 690,000 residents covered through the ACA in Harris County alone (Episcopal Health Foundation). Houston has the most ACA enrollees of any TX county.
Humana Gold Plus H4007 (HMO)
4-star CMS rating
WellCare Texan Plus (HMO)
4-star CMS rating
UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO)
4-star CMS rating
Source: CMS Monthly MA Enrollment by State/County/Contract (latest Q1 2024). Enrollment figures refresh monthly at data.cms.gov.
Each Medicare Advantage plan builds its own provider network — a hospital that's in-network on one plan may be out-of-network on another. Harris County has 3 major hospital systems. Before you enroll, check that your preferred hospital and physicians participate in the specific plan you're considering.
Call each hospital's billing office directly — or use the carrier's network tool on the right to search by hospital name.
Free help in Harris County: TX HICAP — Houston-Galveston Area Council — call 1-800-252-9240. SHIP counselors offer free unbiased Medicare guidance and can run network checks at no cost.
Or skip the cross-checking — we run network checks against your prescriptions and doctors at no cost during any consult.
131 daysuntil open
Outside the windows, Special Enrollment Periods (SEP) still let you change plans if you moved, lost coverage, qualify for Extra Help / dual eligible, or had a plan terminated. Call to see if you qualify.
Check SEP eligibility (15-min) →Pick a time on Matt's calendar — 15 minutes, no sales pressure, no obligation. We'll walk through the Harris County plans that fit your situation.
About 659,658 Texans in Harris County are enrolled in Medicare as of May 2026 CMS data. About 62% are in Medicare Advantage plans; the rest are in Original Medicare (with or without Medigap).
The largest carriers in Harris County are Humana Gold Plus H4007 (HMO), WellCare Texan Plus (HMO), UnitedHealthcare AARP Medicare Advantage Plan 1 (HMO). We work with all of them and a few smaller carriers that often have better rates for specific situations.
TX HICAP — Houston-Galveston Area Council (1-800-252-9240) provides free unbiased Medicare counseling. Major hospitals in the county include Memorial Hermann-Texas Medical Center, Houston Methodist Hospital, St. Luke's Health–Baylor St. Luke's.
As of May 2026, about 47 Medicare Advantage plans are available to Harris County residents, led by UnitedHealth Group, Inc., Health Care Service Corporation, CVS Health Corporation, Humana Inc.. We compare all of them side by side at no cost.
In Harris County, over 639,500 people benefit from Medicare Advantage plans. These plans offer bundled hospital, medical, and usually drug coverage, making them a popular choice among residents near Houston.
During AEP (Oct 15-Dec 7), review your options carefully. Consider factors like hospital networks and local providers, such as Memorial Hermann-Texas Medical Center or Houston Methodist Hospital, to ensure you get the best fit for your healthcare needs.
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