Laredo, Texas: health insurance
Laredo is in Webb County. Here is what Laredo residents should know about coverage.
Coverage in Laredo
Laredo has about 257,602 residents (U.S. Census Bureau 2023 estimate).
Plans for Laredo residents are determined by Webb County, home to about 269,148 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Webb County before you choose it.
- Turning 65 in Laredo? Your Initial Enrollment Period runs seven months around your birthday. Texas HICAP (Health Information, Counseling and Advocacy Program) offers free counseling at 800-252-9240.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? Texas Health and Human Services Commission (HHSC) handles applications.
Texas note: Texas has not expanded Medicaid to all low-income adults, so Texas Medicaid eligibility rules can differ meaningfully from states that did expand -- worth confirming directly with HHSC or by phone rather than assuming another state's rules apply.
Medicare plans leaving Webb County for 2027
Medicare plans are set by county, so this applies to residents of this city. 22 plans are listed in Webb County for 2026 but not for 2027, covering at least 5,585 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| UHC Dual Complete TX-D007 (HMO-POS D-SNP) H5322-025 | UnitedHealthcare | 2,413 |
| UHC Dual Complete TX-S003 (HMO-POS D-SNP) H4514-021 | UnitedHealthcare | 2,177 |
| Wellcare Dual Liberty (HMO D-SNP) H5294-010 | Wellcare / Ambetter (Centene) | 238 |
| UHC Dual Complete TX-V010 (HMO-POS D-SNP) H5322-038 | UnitedHealthcare | 211 |
| Wellcare Simple (HMO) H5294-011 | Wellcare / Ambetter (Centene) | 210 |
| Wellcare Dual Access (HMO D-SNP) H5294-015 | Wellcare / Ambetter (Centene) | 99 |
See all 22 plans leaving Webb County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Laredo
Texas public institutions include University of Texas at Austin, Texas A&M University, University of Houston. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Texas colleges.
Do Laredo and Webb County have the same plans?
Plans are offered by service area, and Laredo falls under Webb County. A plan that serves Webb County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Laredo residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major Texas cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.