Straight 2026 numbers for Texas — premiums, deductibles, Medigap, and drug plans. Then we’ll quote your exact situation for free.
Quick answer
Everyone on Medicare pays the federal Part B premium of $202.90/month in 2026 (more for high earners). From there your cost depends on the path: a Medicare Advantage plan can have a $0 plan premium (you pay copays as you go, capped each year), while Original Medicare plus a Medigap plan trades a higher monthly premium for very predictable, low out-of-pocket costs. These are typical ranges, not a recommendation of any plan.
Updated 2026-07-03 · Source: CMS, 2026
Important: We do not offer every plan available in your area. Currently we represent several organizations offering Medicare Advantage, Medicare Supplement (Medigap), and Part D plans in your state. Please contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program.
Lower Medigap premiums + a competitive $0-plan market.
Lower Medigap premiums + a competitive $0-plan market.
For Medicare Supplement (Medigap) in Texas, a 65-year-old often sees Plan G around $125–$205/month. Texas also has plentiful $0-premium Medicare Advantage plans (you still pay the Part B premium). The best value depends on your doctors, drugs, and travel.
Your age, ZIP code, gender and tobacco use (for Medigap), the path and plan you choose, whether you apply for Medigap during your no-health-questions window, and your income (high earners pay an IRMAA surcharge on Part B and Part D). We pull live quotes for your exact situation at no cost.
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Before you go
No pressure and no plan names — just a plain-English guide plus the offer of a free, no-obligation review with Medicare Twins, licensed Texas agent serving Texas. Leave an email or phone and we’ll send it over.
