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Medicare Supplement Plans Texas 2027: 38 Insurers, the HB 2516 Law and Why Texans Pick Plan G

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Medicare Supplement plans in Texas are sold by 38 insurance companies on the Texas Department of Insurance list, and Plan G is the overwhelming choice, held by about 60% of Texas’s 995,863 enrollees. Since September 1, 2025, Texas law HB 2516 also guarantees coverage, with price limits, to people under 65 on Medicare because of ESRD or ALS.

2027 by the Numbers

995,863

Texas Medicare Supplement enrollees, Dec. 2025 (Mark Farrah Associates)

60.5%

of Texas enrollees in Plan G (same report)

38

companies on the TDI Medicare Supplement seller list, updated Oct. 1, 2026

Sept. 1, 2025

HB 2516 protections for ESRD and ALS begin (TDI Bulletin B-0010-25)

Texas is one of the largest Medicare Supplement markets in the country, with close to a million policyholders, and it is one of the most competitive. No single company holds even a quarter of the market, and the state’s seller list runs to 38 insurers.

Texas does not give you a birthday switching window, so the rules on when you can buy matter a lot. This page covers the Texas-specific ones. For what each letter pays, see our Plan G 2027 guide and Plan N 2027 guide.

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A Plan G State with No Dominant Company

Medicare Supplement plans Texas 2027: enrollees, Plan G share, number of insurers and top company share

A December 2025 report from Mark Farrah Associates shows how Texans have voted with their premiums. Plan G leads by a wide margin, and the market is spread across several large companies.

Texas figure (Dec. 31, 2025) Enrollees Share
Plan G 602,114 60.5%
Plan F 277,808 27.9%
Plan N 87,946 8.8%
Largest company (UnitedHealthcare) 227,558 22.9%
Second-largest company 203,963 20.5%
Third-largest company 168,444 16.9%

Source: Mark Farrah Associates, December 2025 Medigap Enrollment & Market Share report.

With the top company under 23%, Texas buyers have real choice. That also means the same Plan G can carry very different prices depending on which company you pick.

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HB 2516: New Rights for Texans with ESRD or ALS

In 2025 the Texas Legislature passed House Bill 2516. The Texas Department of Insurance explained it to insurers in Commissioner’s Bulletin B-0010-25 on July 22, 2025.

HB 2516 rule Details
Who it covers Texans under 65 who qualify for Medicare because of end-stage renal disease (ESRD) or ALS
Start date September 1, 2025
Coverage Must be offered the same plans as people 65 and older
Plans A, B and D Same rate as a 65-year-old
Other plans, like Plan G Up to twice the age-65 rate
Health screening No medical underwriting, waiting period or pre-existing limit
One-time catch-up window Dec. 1, 2025 to June 1, 2026 for people already on Part B as of June 20, 2025 (now closed)

Sources: TDI Bulletin B-0010-25; TDI Medicare supplement insurance guide, updated July 8, 2026.

Under 65 with a Disability: Texas Offers Plan A

For Texans under 65 on Medicare because of a disability other than ESRD or ALS, the rules are narrower. TDI’s guide says you get a six-month open enrollment that starts when you enroll in Part B, but it applies only to Plan A.

Broker tip: Plan A is a starting point, not the end. When you turn 65 you get a fresh six-month window to buy any plan offered in Texas, including Plan G, with no health questions.

Plan A covers Part A coinsurance, Part B coinsurance, blood and hospice coinsurance, but not the Part A deductible or excess charges. Learn how the window at 65 works on our open enrollment period page.

Your Texas Buying Windows, Start to Finish

Medicare Supplement plans Texas 2027 timeline of buying windows from under 65 to age 65 and later

Texas has no birthday rule, so most chances to buy without health questions come at fixed points. Outside them, a company can screen your health and may impose a pre-existing condition wait of up to six months.

1

Under 65 on Part B. Six months to buy Plan A (or any plan if you have ESRD or ALS).

2

Turning 65 on Part B. Six months to buy any plan in Texas with no health questions.

3

Losing other coverage. Federal guaranteed issue rights, such as a Medicare Advantage plan leaving your area, open a 63-day window.

4

Any other time. Apply with health questions; keep your old policy until approved.

Good to know: The fall Medicare open enrollment does not apply to Medicare Supplement plans. TDI’s guide makes this point directly.

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Texas Consumer Rules After You Buy

30-day free look. You can return a Texas Medicare Supplement policy within 30 days for a full refund. TDI suggests certified mail with a return receipt.

Equipment charge limit. Texas applies the excess charge limit to Medicare-covered medical equipment, prosthetics and orthotics. Suppliers cannot charge over 115% of Medicare’s approved price without written disclosure and your advance agreement.

Prompt payment. Texas law requires insurers to pay claims promptly. You, your doctor or your hospital can complain to TDI if a claim is delayed.

Plan G covers excess charges in full. Plan N does not, so the equipment rule matters more if you pick N. Compare them on our Plan G vs Plan N page.

Comparing 38 Texas Companies Without a State Rate Chart

Unlike some states, TDI does not publish a premium comparison chart. Its guide points Texans to the Medicare.gov Medigap policy search plus TDI’s list of companies selling in Texas, last updated October 1, 2026. That list notes every company must offer Plan A, and a company selling other plans must also offer Plan C or Plan F.

1

Use the TDI list. See which of the 38 companies sell in Texas, then confirm they sell in your area.

2

Search Medicare.gov by ZIP code. It shows the companies and plan letters available where you live.

3

Call HICAP for free help. Texas’s State Health Insurance Assistance Program is HICAP, the Health Information, Counseling and Advocacy Program.

4

Get several quotes. A licensed agent can quote many companies at once. Our Plan G rate increase guide shows what to ask about future increases.

Bottom Line

Texas gives Medicare Supplement buyers plenty of choice, with 38 companies and no single dominant insurer, and 60% of Texans settle on Plan G. HB 2516 now protects people under 65 with ESRD or ALS. Because there is no birthday rule, buy carefully during your window at 65 and compare widely.

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Medicare Supplement Plans Texas — Frequently Asked Questions

➤ Why do most Texans pick Plan G?

It is the most complete plan open to people new to Medicare since 2020. About 60.5% of Texas Medicare Supplement enrollees had Plan G at the end of 2025, per Mark Farrah Associates.

➤ What does Texas HB 2516 do for people with ESRD or ALS?

Since September 1, 2025, Texans under 65 on Medicare because of ESRD or ALS must be offered the same plans as people 65 and older, with no health screening. Plans A, B and D cost the age-65 rate; others can cost up to twice that.

➤ Can a Texan under 65 with a disability buy Plan G?

Not during the under-65 window. For disabilities other than ESRD or ALS, the guaranteed window covers Plan A only. You can buy Plan G with no health questions when you turn 65.

➤ How many companies sell Medicare Supplement coverage in Texas right now?

The Texas Department of Insurance list updated October 1, 2026 names 38 companies. TDI says to confirm each one sells in your area.

➤ Does the Texas Department of Insurance publish a rate guide?

No. TDI points consumers to the Medicare.gov Medigap policy search and its own company list to find plans and rates by area.

➤ Can a medical equipment supplier in Texas bill more than Medicare allows?

Only up to 115% of Medicare’s approved price, and only with written disclosure and your agreement in advance. Plan G covers those excess charges; Plan N does not.

➤ How does the 30-day free look work in Texas?

You can return the policy within 30 days and get your money back with no questions asked. Use certified mail with a return receipt to prove the date.

➤ What is HICAP in Texas?

HICAP is the Health Information, Counseling and Advocacy Program, Texas’s free State Health Insurance Assistance Program for unbiased Medicare counseling.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

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Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

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Compare plans & benefits in your area

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Medicare Supplement Plans 2027
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This website and the Medicare Supplement insurance plans referenced on it are not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare Supplement (Medigap) insurance is sold by private insurance companies. MedicareSupplementPlans2027.org is a website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company and licensed insurance agency. We do not offer every plan or insurance company available in your area; any information we provide is limited to the plans and companies we represent. Plan availability, benefits and premiums vary by state, age, gender, tobacco use, ZIP code and insurance company, and are subject to underwriting where permitted by law. Rates and figures shown on this site may reflect 2026 data and are for informational purposes only; your actual premium will be determined by the insurance company. You must continue to pay your Medicare Part B premium. Medicare Supplement plans are not Medicare Advantage plans and do not include prescription drug coverage. By submitting your information in the form, you agree to this site's privacy policy and expressly consent to be contacted at the number entered in the form (including a wireless number if provided) by licensed insurance agents or other partners offering related products that may be of interest to you, by phone, email or text. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges for such messages. You understand that you are not required to provide this consent to purchase goods or services. Receiving quotes through our website is always free, and you are under no obligation to purchase any goods or services as a result of this request. For information on all of your Medicare options, contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP).