Big Medicare changes hit Texas in 2026
Humana left 3 states. UnitedHealthcare and Aetna dropped 100+ counties each. The new $2,100 Part D cap is here. And Medicare started negotiating drug prices in January. Here's what it means for you.
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In 30 minutes you'll know:
Which 2026 plan changes apply to YOU
Humana left 3 states. UHC and Aetna cut 100+ counties each. We'll show you how to check if your plan got cut — and what to do if it did.
The new $2,100 Part D cap (and how to use it)
The 2026 out-of-pocket drug cap is $2,100. Plus the new Medicare Prescription Payment Plan lets you spread that across monthly installments — no interest. We'll explain who benefits.
The 4 parts of Medicare (without the jargon)
Parts A, B, C, D. Original vs. Advantage vs. Supplement. Enrollment windows. Late penalties. Plain English, real dollars, no insurance-speak.
How to compare plans without the spam
Why "free Medicare advice" from TV ads costs you thousands. The 2026 marketing rules CMS now enforces. How to compare apples-to-apples in your ZIP code.
Important 2026 sign-up dates
The big sign-up window runs Oct 15 – Dec 7. There's another one Jan 1 – Mar 31. And if your plan was canceled, you have an extra window through Feb 28. We'll cover all of them.
Live Q&A with a real broker
Last 10 minutes are yours. Bring your specific situation — your meds, your doctors, your ZIP code. No question is too small.
Who this class is for
If any of these is you, this 30 minutes will save you hours of confusion.
Turning 65 in the next 6 months
You're new to all of this. Parts A, B, C, D, sign-up windows, late penalties — it's a lot. We'll start at zero and stay in plain English.
Got a 2026 plan cancel letter
You opened your mail in October and your plan was gone. You have an extra sign-up window through Feb 28 — we'll show you how to use it. No panic.
Helping a parent or family member
Mom or dad needs Medicare guidance and you're the family translator. Bring this back to them clear, with a checklist they can act on.
📰 What's actually new in 2026 Medicare
Part D out-of-pocket cap: $2,100 for 2026 (up from $2,000 in 2025). Once you hit it, $0 for the rest of the year on covered drugs.
Medicare-negotiated drug prices: First 10 high-volume drugs got new prices in January 2026 — Eliquis, Jardiance, Xarelto, Januvia, and others.
Plan exits: Total non-SNP MA plans dropped 10% nationally. Texas was hit especially hard in metro fringe and rural counties.
Special Enrollment Period: If your plan was non-renewed for 2026, you have until Feb 28 to find a new one.
All of this gets covered — in plain English — in the Tuesday class.
Your host: Megan Neri
Licensed Medicare broker — Texas-based, in Friendswood. Independent and appointed with every major Medicare carrier in Texas. Also licensed in multiple states for clients outside of Texas.
I built this weekly class because most Medicare information is either a sales pitch or a wall of jargon. Neither helps. This is the briefing I'd give my own mom — clear, honest, no pressure.
What I won't do: pitch a specific plan during the webinar, recommend one-size-fits-all, or follow up aggressively if you don't book a call afterward.
What I will do: answer every question you bring. And if you want personalized help after the webinar, we can talk one-on-one — also free.
Common questions
Is this really free? What's the catch?
It's really free. No catch, no credit card.
I'm a licensed broker — I get paid by the carrier when someone enrolls in a plan, the same flat amount whether the plan costs $0 or $200. The class itself costs you nothing. Even the 1-on-1 follow-up call (if you want one) is free.
Will you try to sell me something on the call?
Not on the webinar. CMS rules actually prohibit me from pitching specific plans during a public webinar — and I wouldn't anyway.
The class is purely educational. If you want a plan-specific comparison after, we can do that 1-on-1 (and you'd need to sign a Scope of Appointment form first — a CMS rule that lets us actually look at specific plans together).
What if I can't make Tuesday at 11 AM?
Register anyway. Everyone who registers gets the replay emailed automatically — usually within 24 hours of the live class.
You can also rewatch as many times as you want. Some folks share it with parents or spouses afterward.
I'm not in Texas. Is this still useful?
Yes for the universal Medicare changes (the $2,100 Part D cap, drug-price negotiations, enrollment windows, the 4 Parts) — those apply nationwide.
The plan-exit examples will be Texas-heavy, but UnitedHealthcare, Humana, and Aetna pulled out of counties in dozens of states for 2026. The framework is the same.
I'm licensed in multiple states. If you want 1-on-1 help, mention your state when we book the call.
What do I need to bring or prepare?
Nothing for the live class — just show up.
If you want a personalized plan comparison afterward, it helps to have: a list of your prescription medications (names + doses), your preferred doctors and pharmacy, and your ZIP code. We can pull all that together on the 1-on-1 call if you decide you want one.
How long is it really? What's the agenda?
30 minutes. Strict. I keep it tight because your time matters.
Minutes 0–5: What changed for 2026 (the headline stuff). 5–15: The 4 Parts of Medicare in plain English. 15–22: How to compare plans without getting spammed. 22–30: Live Q&A — your questions, your situation.
Save your seat for the next class
Spots are limited. Even if you can't attend live, register to get the replay emailed automatically. 100% free, no obligation.
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