Texas

Texas has no birthday rule and no expanded guaranteed issue — the carrier you pick at 65 is a long marriage, which makes carrier stability the single most important variable in the state.

Rule	Texas
Birthday rule	No
Guaranteed issue	Federal windows only
Own Medigap system	No
Market structure	Deep carrier bench, wide ZIP variance
Practical edge	Pick low-increase carriers; re-shopping later requires underwriting

Why Texas shoppers must over-research at 65

Without annual switching rights, the attained-age premium you bind becomes the base every future increase compounds on. Our rate-history file and the underwriting guide are required reading here.

Metro vs rural pricing

DFW/Houston ZIPs price 30–50% below border and rural counties on Plan G — the local pricing file maps the spread, and household discounts stack in TX (couple note: spouse FAQ).

FAQ

Can I switch Medigap carriers in Texas?

Anytime technically, but outside GI windows the new carrier underwrites you — health changes can block the switch.

Which plan is most sold in Texas?

Plan G, with N a strong second in metro ZIPs.

Related reading: All states · TX pricing map · Underwriting