Medicare in Brownsville · Cameron County, TX

2026 Medicare Advantage Plans in Brownsville, TX

Cameron County offers 70 Medicare Advantage plans for 2026 across 8 carriers, with an average premium of $0/mo and 48 plans rated 4★ or higher by CMS.

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Important: ZIP code spans multiple counties

Cameron County (Brownsville), TX has 70 Medicare Advantage plans (avg $0/mo) for plan year 2026. 70% MA enrollment rate.

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By the numbers · Cameron County

Quick facts for Brownsville, TX Medicare (2026)

70Medicare Advantage plans available (CMS PY2026)
$0/moaverage monthly MA premium (CMS PY2026)
48plans rated CMS 4★ or higher for 2026
45Special Needs Plans available in Cameron County
70%of Cameron County Medicare beneficiaries in an MA plan
8insurance carriers competing in Cameron County

Source: CMS Medicare Advantage/Part D Landscape (PY2026).

Health profile · why coverage choice matters here

Chronic conditions among Cameron County adults

Diagnosed diabetes 22%
Adult obesity 45.5%

Source: County Health Rankings & Roadmaps 2024 — Cameron County.

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Part B Late Enrollment Penalty

Monthly penalty: $0.00

IRMAA Quick Check

Monthly surcharge: $0.00

Who covers you

Carriers in Cameron County (2026)

  • UnitedHealthcare HMO-POSPPOD-SNP

    AARP Medicare Advantage HMO-POS and PPO; D-SNP available statewide; one of Texas's largest MA carriers

  • Humana HMO-POSPPO

    HMO-POS and PPO with one of the largest Texas provider networks; very strong statewide

  • Aetna (CVS Health) HMOPPO

    Medicare Signature PPO and HMO; strong star ratings across Texas markets

  • Blue Cross Blue Shield of Texas

    Texas's largest regional carrier with a broad statewide provider network

  • Wellcare by Centene HMOD-SNP

    Low-premium HMO and D-SNP plans; very competitive across Texas markets

  • WellMed Medical Management (UHC)

    UHC subsidiary focused on Medicare-age Texans; strong in metro and suburban markets

  • Molina Healthcare HMO

    Low-premium HMO; dominant in the South Texas border markets with huge dual-eligible populations

  • Devoted Health HMO

    Tech-focused HMO; expanding in South Texas metro markets

Where you get care

Hospitals & providers nearby

  • Valley Baptist Medical Center Harlingen
    Harlingen ★★★★☆
    2101 Pease St, Harlingen TX 78550
  • Valley Regional Medical Center
    Brownsville ★★★☆☆
    100A Alton Gloor Blvd, Brownsville TX 78526

Confirm your doctors and preferred pharmacy are in-network before enrolling — networks vary by plan and carrier.

Sources: CMS Hospital Compare · CMS Landscape (PY2026).

Choosing a Medicare plan in Brownsville, TX — what matters here

  • Cameron County (Brownsville) is the southernmost US county at the Texas–Mexico border. 70 Medicare Advantage plans for 2026, averaging $0/month — most plans have $0 premium reflecting the high dual-eligible population.
  • Valley Regional Medical Center and Valley Baptist Medical Center Harlingen (4 stars) anchor the southern Cameron County market. 70% of Cameron County Medicare beneficiaries are enrolled in Medicare Advantage. 45 SNPs serve one of the US's highest-concentration dual-eligible populations.

Not sure Medicare Advantage is the right path?

Also consider Original Medicare + a Supplement

Medicare Advantage isn't the only option. If you want the freedom to see any doctor or hospital in the U.S. that accepts Medicare — with no networks, no referrals, and no plan-specific prior authorizations — a Medicare Supplement (Medigap) plan paired with a standalone Part D drug plan may be a better fit for your situation.

  • No networks. See any Medicare-accepting provider nationwide — critical if you travel, split time between states, or have specialists outside your county.
  • Predictable costs. Plan G covers nearly every gap in Original Medicare except the Part B deductible (~$257/yr in 2026). No surprise bills from out-of-network care.
  • Enrollment window. Your guaranteed-issue Medigap Open Enrollment Period is 6 months from your Part B effective date. After it closes, health underwriting may apply in NC.

Medigap guide for Brownsville → NC Medicare Supplement overview →

Brownsville, TX Medicare questions, answered

How many Medicare Advantage plans are available in Brownsville, TX?

For 2026, there are 70 Medicare Advantage plans available in Brownsville (Cameron County), offered by 8 carriers including UnitedHealthcare, Humana, Aetna (CVS Health), and others. 48 of those plans carry a CMS star rating of 4★ or higher. Source: CMS PY2026 Landscape.

What is the average Medicare Advantage premium in Brownsville for 2026?

The average monthly Medicare Advantage premium in Brownsville, TX is $0 for 2026, with an average CMS star rating of 3.85★ across available plans. Premiums and benefits vary — compare your specific options at Medicare.gov or with a licensed agent.

When can I change my Medicare plan in Brownsville?

The Annual Enrollment Period (AEP) runs October 15 – December 7 each year and is the main window to switch Medicare Advantage plans, change Part D drug plans, or return to Original Medicare. Changes take effect January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows one plan switch for those already in Medicare Advantage. Special Enrollment Periods are available for qualifying events such as moving or losing other coverage.

Are there Special Needs Plans available in Cameron County?

Yes — Cameron County has 45 Special Needs Plans (SNPs) available for 2026. These plans are designed for dual-eligible beneficiaries (Medicare + Medicaid), people in institutions, and those with qualifying chronic conditions. SNPs often carry $0 premiums and additional chronic care benefits. A licensed agent can confirm your eligibility at no cost.

What hospital options are near Brownsville, TX?

Valley Baptist Medical Center Harlingen in Harlingen is rated 4★ by CMS Hospital Compare; Valley Regional Medical Center in Brownsville is rated 3★ by CMS Hospital Compare. Before enrolling in any Medicare Advantage plan, confirm your hospital and doctors are in that plan's network.

Is there a cost for help choosing a Medicare plan in Brownsville?

No. Our guidance is free — licensed agents are compensated by the insurance carriers, not by you. We compare the plans available in your ZIP code against your doctors, prescriptions, and budget. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE to see all options.

Is Medicare coverage the same in Brownsville, TX?

Original Medicare (Part A and Part B) is a federal program, so its core coverage rules are the same in Brownsville, TX as anywhere else in the country. What varies locally is which Medicare Advantage, Part D, and Medigap plans are actually offered — plan availability, provider networks, and premiums are set at the county level, so the specific options in Cameron County won't match a different county even in the same state. That's why it's worth reviewing your local plan lineup each year rather than assuming coverage is identical everywhere.

When can I enroll in Medicare in Brownsville, TX?

Your Initial Enrollment Period (IEP) is a 7-month window centered on your 65th birthday — 3 months before, the month of, and 3 months after. After that, the Annual Enrollment Period (AEP) runs October 15 through December 7 each year, letting Brownsville residents switch Medicare Advantage or Part D plans for coverage starting January 1. A Special Enrollment Period (SEP) may also open outside these windows if you have a qualifying life event, such as moving to Brownsville or losing other health coverage.

How do I find a Medicare agent near Brownsville, TX?

Look for a licensed, independent agent who is appointed to sell plans in TX and familiar with the carriers and provider networks serving Cameron County. An independent agent can compare options across multiple carriers instead of representing just one. You can book a free, no-obligation consultation with a licensed agent serving Brownsville through this site's contact page, or call the number listed on this page to talk with someone directly.

Is there a Medicare agent in Brownsville, TX?

Yes. Kayla Price is a licensed independent insurance agent serving Brownsville, TX and Cameron County among the NC, SC, GA, FL, VA, MD, KS, TX, OH & MI she's licensed in. She works with 8 carriers offering plans in Cameron County, so she can compare options rather than represent just one company. You can book a free consultation directly at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB.

How do I find Medicare help in Brownsville?

The fastest way is to book a free, no-obligation review with a licensed agent who already works in Cameron County — Kayla Price at Price Services Group covers Brownsville, TX and can walk through the 70 Medicare Advantage plans available here for 2026. Schedule a time at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB, or use the contact page on this site. You can also always compare plans yourself at Medicare.gov or by calling 1-800-MEDICARE.

Does Price Services Group serve Brownsville, TX?

Yes — Brownsville, TX is within Kayla Price's real service area at Price Services Group. She is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH & MI and works with the carriers offering Medicare Advantage, Part D, and Medigap plans in Cameron County. Book a free plan review at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB to see what's available at your address.

What Medicare Advantage plans are available in Brownsville, TX?

Medicare Advantage plan availability varies by county in TX. Kayla Price can review all plans available in Brownsville and help you compare options by phone or video.

How much does Medicare cost in Brownsville, TX?

Medicare Part B costs $202.90 per month regardless of where you live in TX. Additional costs depend on which plan you choose. Kayla can walk you through all the costs for plans available in Brownsville.

When is the next Medicare enrollment period for residents of Brownsville, TX?

The Annual Enrollment Period (AEP) runs October 15 through December 7 each year for all Medicare beneficiaries including those in Brownsville, TX. If you're new to Medicare, your Initial Enrollment Period is based on your 65th birthday.

Enrollment windows

When can you change your Medicare plan?

Annual Enrollment Period

Oct 15 – Dec 7

Switch MA plans, add or drop Part D, or return to Original Medicare. Changes take effect January 1.

MA Open Enrollment Period

Jan 1 – Mar 31

One plan switch if you're already in Medicare Advantage. Changes start the first of the following month.

Initial Enrollment Period

7-month window at 65

3 months before, the month of, and 3 months after your 65th birthday. Enrolling on time avoids lifetime Part B and Part D penalties.

Book your free AEP review → All enrollment periods explained →

Your local agent

Talk to a licensed Medicare agent about Brownsville, TX plans

Kayla Price is a licensed, independent agent who works with 8 carriers serving Cameron County — free, no pressure. We do not offer every plan available in your area.

Book a free consultation →   (910) 631-1578

Kayla Price, Your personal Medicare & insurance consultant at Price Services Group, L.L.C.

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 or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week, to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For informational purposes only — not insurance, legal, or financial advice. Plan availability, premiums, and benefits are based on CMS PY2026 data and subject to change. NPN: 18530055. Agency NPN: 20387435.