Medicare Annual Enrollment for 2027 in Texas
Medicare annual enrollment runs October 15 through December 7, 2026, for coverage starting January 1, 2027. Plans change every year, including premiums, drug lists, pharmacy networks, and doctor networks. Here is what to check before December 7.
2027 Medicare dates
| Window | What you can do |
|---|---|
| Oct 15 to Dec 7, 2026 | Join, switch or drop a Medicare Advantage or Part D plan |
| Jan 1 to Mar 31, 2027 | If you are in Medicare Advantage: make one switch to another Advantage plan or return to Original Medicare |
| Any time | Apply for a Medicare Supplement (health questions may apply) |
What changes in 2027
- Part D out-of-pocket cap rises to $2,400 (from $2,100 in 2026).
- Maximum Part D deductible rises to $700 (from $615).
- Part B premium and deductibles for 2027 are usually announced by CMS in the fall. We will update this page when they are published.
- Check your plan's Annual Notice of Change for network, drug list and copay changes.
Thinking about leaving Medicare Advantage for a Medigap plan?
You can drop an Advantage plan during annual enrollment, but line up the Medigap plan first. Outside guaranteed-issue situations, Medigap carriers can ask health questions and decline you. Federal rules guarantee your right in some cases, such as when you joined Medicare Advantage for the first time within the last 12 months, or your plan leaves your area. Apply for the supplement, wait for approval, and then switch.
Your annual enrollment checklist
- Are all your prescriptions on next year's drug list, at the same tier?
- Are your doctors and hospitals still in network?
- Is your preferred pharmacy still preferred?
- What is the plan's maximum out-of-pocket for 2027?
- Did dental, vision, or hearing extras change?
Review your 2027 Medicare options
Compare plans in your ZIP code online, or have a licensed agent review your drugs and doctors.
Compare Plans Online Call (972) 666-0578 ext. 2 Have an Agent Call MeFrequently asked questions
When is Medicare open enrollment for 2027?
The annual enrollment period runs October 15 through December 7, 2026. Changes take effect January 1, 2027.
What is the Part D out-of-pocket cap in 2027?
$2,400 for covered drugs, up from $2,100 in 2026. The maximum standard deductible rises to $700.
Can I switch Medicare Supplement plans during annual enrollment?
You can apply any time, but annual enrollment does not give you a guaranteed right to a Medigap plan. Outside a guaranteed-issue situation, the carrier can ask health questions and decline you.
What if I miss December 7?
If you are in a Medicare Advantage plan, you get one change between January 1 and March 31, either to another Advantage plan or back to Original Medicare.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in Texas, HICAP (Health Information, Counseling and Advocacy Program) at 1-800-252-9240) to get information on all of your options. Texas Health Agents is not connected with or endorsed by the U.S. government or the federal Medicare program.