Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
El Paso Health Medicare Advantage Dual, 2027
H3407Contract001Plan
HMO D-SNP · special needs plan, dual-eligible · 2 counties in Texas
Run by EL Paso First Health Plans, Inc. (contract H3407), sold as El Paso Health Medicare Advantage, owned by El Paso County Hospital District
El Paso Health Medicare Advantage Dual (H3407-001) costs $6.30 a month in 2027, up $1.50 from 2026, with an in-network out-of-pocket limit of $9,550 ($8,600 in 2026). Some of its 2026 members move to H3407-004 instead (CMS crosswalk).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | $4.80 | $6.30 | ▲up $1.50 |
| In-network out-of-pocket limit | $8,600 | $9,550 | ▲up $950 |
| Drug deductible | $615 | $700 | ▲up $85 |
| Eyewear, yearly limit | $400 a year | $300 a year | ▼down $100 |
| Over-the-counter items, yearly | $900 a year | $600 a year | ▼down $300 |
| Drug tier 1, preferred generic | 22% of the cost | $0 | changed |
| 16 lines do not change | |||
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | 20% of the cost | 20% of the cost | no change |
| Specialist visit | 20% of the cost | 20% of the cost | no change |
| Emergency room | 20% of the cost | 20% of the cost | no change |
| Medical deductible, in network | none | none | no change |
| Hospital stay, in network | not filed | not filed | no change |
| Skilled nursing facility, in network | not filed | not filed | no change |
| Ground ambulance, in network | 20% of the cost | 20% of the cost | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Hearing aids, yearly limit for both ears | not offered | not offered | no change |
| Counties served | 2 | 2 | no change |
| Drug tier 2, generic | 25% of the cost | 25% of the cost | no change |
| Drug tier 3, preferred brand | 25% of the cost | 25% of the cost | no change |
| Drug tier 4, non-preferred drug | 25% of the cost | 25% of the cost | no change |
| Drug tier 5, specialty tier | 25% of the cost | 25% of the cost | no change |
| Drug tier 6, supplemental drugs | $0 | $0 | no change |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.
What will prescriptions cost?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | 22% of the cost | $0 |
| Tier 2 | Generic | 25% of the cost | 25% of the cost |
| Tier 3 | Preferred Brand | 25% of the cost | 25% of the cost |
| Tier 4 | Non-Preferred Drug | 25% of the cost | 25% of the cost |
| Tier 5 | Specialty Tier | 25% of the cost | 25% of the cost |
| Tier 6 | Supplemental Drugs | $0 | $0 |
Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.
How does it compare with plans sold where it is?
In the counties it serves, 30 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 3 plans have a lower out-of-pocket limit, 1 the same, 25 a higher one. On the premium, 25 plans have a lower premium, 4 the same.
Out-of-pocket limits of the 30 dual-eligible special needs plans
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where is it sold, and what does it cost there?
The premium and the out-of-pocket limit are the same in all 2 counties: $6.30 a month and $9,550.
Texas
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where do its 2026 members go?
The CMS crosswalk moves the members of the 2026 plan into 2 plans for 2027. It names the plans but not which member goes to which; the counties show where each 2027 plan is sold, and the plan's Annual Notice of Change says which one is yours.
| 2027 plan | Sold in | Members in those counties, Sept. 2026 | Premium 2027 | Limit 2027 |
|---|---|---|---|---|
| Stays in this plan | 2 of its 2 2026 counties, in Texas | 1,964 | $6.30 | $9,550 |
| El Paso Health Medicare AlignH3407-004 | 1 of its 2 2026 counties, in Texas | 1,929 | $6.30 | $9,550 |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).
Who runs this plan?
- Plan ID
- H3407-001
- Legal name of the contract
- EL Paso First Health Plans, Inc.
- Sold as
- El Paso Health Medicare Advantage
- Parent company
- El Paso County Hospital District
- Plan type
- HMO D-SNP
- 2026 star rating of the contract
- not rated (too little data) overall; health plan not rated, drug plan 2 of 5
- Members, September 2026
- 1,968
- Plan website, as filed with CMS
- ephmedicare.com
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.
What else should you check?
- Other 2027 plans in El Paso, TXWhere most of its members live; premiums and limits side by side
- Every El Paso Health Medicare Advantage plan for 2027Its contracts, counties and plans that end
- The other 3 plans of contract H3407Same company, same contract
- Is your prescription covered?Coverage share and tier for 2,259 drugs
Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.