Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

HealthSpring Preferred, 2027

H4513Contract061Plan

HMO · 41 counties in Texas

Run by HealthSpring Life & Health Insurance Company, Inc. (contract H4513), sold as HealthSpring, owned by Health Care Service Corporation

Takes in 1 plan

2026 star rating, contract H4513: 4.5 of 5

HealthSpring Preferred (H4513-061) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $3,250 to $4,450 depending on the county ($3,200 to $3,500 in 2026). It takes in the members of H4513-074.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it. The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit, by county	$3,200 to $3,500	$3,250 to $4,450	up $950 at the top
Drug deductible	$200	$500	up $300
Hospital stay, in network (best in its area)	$230 a stay	$185 a day for days 1–6, then $0 a day for days 7–90	changed
Skilled nursing facility, in network (best in its area)	$20 a day for days 1–20, then $218 a day for days 21–100	$20 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network (best in its area)	$250 copay	$275 copay	up $25
Eyewear, yearly limit (best in its area)	$325 a year	$300 a year	down $25
Over-the-counter items, yearly (best in its area)	$540 a year	$320 a year	down $220
Counties served	39	41	up 2
Drug tier 1, preferred generic	$5	$10	up $5
Drug tier 2, generic	$10	$20	up $10
Drug tier 3, preferred brand	$47	20% of the cost	changed
Drug tier 4, non-preferred drug	50% of the cost	25% of the cost	down 25 points
Drug tier 5, specialty tier	30% of the cost	28% of the cost	down 2 points
8 lines do not change
Monthly premium	$0	$0	no change
Part B premium reduction, monthly (best in its area)	$5	$5	no change
Primary care visit (best in its area)	$0 copay	$0 copay	no change
Specialist visit (best in its area)	$20 copay	$20 copay	no change
Emergency room (best in its area)	$150 copay	$150 copay	no change
Medical deductible, in network (best in its area)	none	none	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Hearing aids, yearly limit for both ears (best in its area)	not offered	not offered	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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$5	$10	$0
Tier 2	Generic	$10	$20	$0
Tier 3	Preferred Brand	$47	20% of the cost	20% of the cost
Tier 4	Non-Preferred Drug	50% of the cost	25% of the cost	25% of the cost
Tier 5	Specialty Tier	30% of the cost	28% of the cost	28% of the cost

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, 172 plans open to everyone are sold for 2027, this one included. Against the others, 8 plans have a lower out-of-pocket limit, 163 a higher one. On the premium, 140 the same, 31 a higher one.

Its limit differs by county ($3,250 to $4,450); the chart marks its lowest.

Out-of-pocket limits of the 172 plans open to everyone

$0 to under $2,0002 plans

$2,000 to under $4,000 (this plan)46 plans

$4,000 to under $6,00035 plans

$6,000 to under $8,00068 plans

$8,000 to $10,00021 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?

41 counties, grouped by what the plan costs there
Monthly premium	Out-of-pocket limit	Where
$0	$3,250	Cameron (TX), Hidalgo (TX), Webb (TX), Willacy (TX)
$0	$3,300	Aransas (TX), Nueces (TX)
$0	$4,000	Angelina (TX), Brazoria (TX), Chambers (TX), Fort Bend (TX), Galveston (TX), Hardin (TX), Harris (TX), Jasper (TX), Jefferson (TX), Liberty (TX), Montgomery (TX), Nacogdoches (TX), Orange (TX), Polk (TX), San Jacinto (TX), Tyler (TX), Walker (TX), Waller (TX)
$0	$4,450	Atascosa (TX), Bandera (TX), Bexar (TX), Collin (TX), Comal (TX), Dallas (TX), Denton (TX), El Paso (TX), Guadalupe (TX), Hood (TX), Johnson (TX), Kendall (TX), Medina (TX), Parker (TX), Tarrant (TX), Wilson (TX), Wise (TX)

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Which 2026 plans move into it, and what changes for their members?

For 2027 this plan takes in the members of 1 other plan, beside its own 67,972 members. In 2027 it costs $0 a month with a $3,250 limit; each row compares that with the plan its members had in 2026.

2026 plan	Members, Sept. 2026	Members who move	Premium 2026	Premium change	Limit 2026	Limit change
HealthSpring PreferredH4513-074	358	354	$0	no change	$2,300	up $950

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision). Each moving plan's own page lists every line that changes for its members.

Who runs this plan?

Plan ID: H4513-061
Legal name of the contract: HealthSpring Life & Health Insurance Company, Inc.
Sold as: HealthSpring
Parent company: Health Care Service Corporation
Plan type: HMO
2026 star rating of the contract: 4.5 of 5 overall; health plan 4.5 of 5, drug plan 3.5 of 5
Members, September 2026: 67,972
Plan website, as filed with CMS: HealthSpringMedicare.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 Harris, TXWhere most of its members live; premiums and limits side by side
Every HealthSpring plan for 2027Its contracts, counties and plans that end
The other 49 plans of contract H4513Same 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.