Medicare Advantage in Texas
HB 2516 / Chris Larkin ALS Act (eff. 2025-06-20): guaranteed-issue Medigap for under-65 Texans on Medicare due to disability, ALS, or ESRD. Codified as new TX Insurance Code §§1652.059–1652.060.
Part C plans that bundle hospital, medical, and usually drug coverage.
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Matt & Robin Giron
Licensed in Texas and Florida
HB 2516 / Chris Larkin ALS Act (eff. 2025-06-20): guaranteed-issue Medigap for under-65 Texans on Medicare due to disability, ALS, or ESRD. Codified as new TX Insurance Code §§1652.059–1652.060.
Medicare Advantage has three main enrollment windows: your Initial Enrollment Period (7 months around your 65th birthday), Annual Enrollment (Oct 15–Dec 7), and the MA Open Enrollment Period (Jan 1–Mar 31, one switch). Texas residents may also qualify for Special Enrollment Periods after moving, losing other coverage, or becoming dual-eligible.
MA plans replace Original Medicare with a private bundle that usually includes Part D drugs and extras (dental, vision, gym). Medigap supplements Original Medicare, covering coinsurance and deductibles. You can have one or the other — not both.
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