Medicare 2026
Medicare in Maryland for 2027: 20 Advantage Plans Leaving, 4 New, and What Else Changes
BALTIMORE — Marylanders on Medicare will see a smaller Medicare Advantage menu for 2027, a slightly thinner stand-alone Part D lineup, and a higher annual cap on what any Part D plan can make a member pay out of pocket for covered drugs. The choices people make during Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026, take effect January 1, 2027.
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Key takeaways
- Maryland goes from 63 Medicare Advantage plans in 2026 to 47 in 2027, with 20 plans not returning anywhere in the state, 4 new plans, and 16 that are changing in some way.
- If your Medicare Advantage plan is not returning for 2027, you get a Special Enrollment Period that runs through February to pick a new plan or return to Original Medicare.
- The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100), and no Part D plan may charge a deductible higher than $700.
- Social Security benefits payable beginning January 2027 include a 3.6 percent cost-of-living adjustment; the 2027 Part B premium and IRMAA brackets have not been announced yet.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many Medicare Advantage plans are offered in Maryland for 2027?
Maryland has 47 Medicare Advantage plans for 2027, down from 63 in 2026. Of those, 20 plans are not returning anywhere in the state, 4 are new, and 16 are changing — meaning a different premium, drug deductible, plan type, or plan name. The plans are spread across Maryland's 24 counties, and because Medicare Advantage is sold county by county, a plan counted statewide may or may not be offered where you live. To see exactly which plans are available at your address for 2027, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE.
Three carriers will not offer any Medicare Advantage plan in Maryland for 2027: Aetna Medicare, Communicare Advantage, and Provider Partners Health Plans. If you are enrolled with one of those carriers today, your coverage will not continue into 2027 on that plan.
What happens if my Medicare Advantage plan is leaving Maryland for 2027?
If your plan is not returning, the insurer must send a non-renewal letter, and every member should receive an Annual Notice of Change by late September describing what is different for the coming year. Read both.
Members whose plans are discontinued qualify for a Special Enrollment Period that runs through February 2027. During that window you can enroll in a different Medicare Advantage plan or return to Original Medicare and, if you want drug coverage, add a stand-alone Part D plan. If your plan is one of the 16 that is simply changing, your coverage continues automatically on January 1, 2027, but the details may look different, which is why the Annual Notice of Change matters.
Which Maryland counties are seeing the most Medicare Advantage change in 2027?
Five counties account for the biggest shifts in Maryland's 2027 Medicare Advantage lineup:
- Baltimore County: 14 plans leaving, 12 changing.
- Montgomery County: 14 plans leaving, 12 changing.
- Carroll County: 15 plans leaving, 7 changing.
- Anne Arundel County: 9 plans leaving, 12 changing.
- Frederick County: 12 plans leaving, 9 changing.
If you live in one of these counties, there is a good chance either your plan is on the move or new options have appeared next to it. Confirm your specific situation on the Plan Finder.
How many stand-alone Part D drug plans are available in Maryland for 2027?
Maryland has 9 stand-alone Part D prescription drug plans for 2027, offered by 5 insurers, down from 10 plans in 2026. Stand-alone Part D is what people use when they stay with Original Medicare (or pair it with a Medigap policy) and want drug coverage. Because the carrier mix is smaller than last year, it is worth running your drug list through the Plan Finder even if you have been happy with your current plan.
How many Medigap insurers are listed for Maryland in 2027?
Medicare.gov lists 21 Medigap (Medicare Supplement) insurers for a Maryland ZIP code. Medigap works alongside Original Medicare to help with cost sharing, and the standardized letter plans (such as Plan G or Plan N) offer the same federally defined benefits no matter which insurer sells them. Rules about when you can switch Medigap plans without medical underwriting vary; medicare.gov explains the federal protections, and the Maryland Insurance Administration can describe any additional state rules.
What are the national Medicare numbers for 2027?
Three national Part D figures are set for 2027. The out-of-pocket cap on covered drugs rises to $2,400, up from $2,100 in 2026. The most any Part D plan may charge as an annual deductible is $700. And the Part D base beneficiary premium — the national figure used to calculate the late-enrollment penalty, not the premium you pay for any specific plan — is $41.33.
The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS typically releases them in the fall.
What should Maryland Medicare members check before December 7, 2026?
A short checklist for Annual Enrollment 2027:
- Open the Annual Notice of Change from your current plan and look for differences in premium, deductible, drug tiers, and provider or pharmacy network.
- If you received a non-renewal letter, mark that you qualify for a Special Enrollment Period through February 2027.
- Run your current prescriptions and preferred pharmacies through the Plan Finder at medicare.gov to compare 2027 plans at your ZIP code.
- If you use Original Medicare plus Medigap, confirm your stand-alone Part D plan is still being offered — Maryland has 9 for 2027.
- Make any change by December 7, 2026 so coverage starts January 1, 2027.
Where can Marylanders get free help with Medicare for 2027?
Two no-cost sources are available year-round. Medicare.gov hosts the official Plan Finder, which shows the Medicare Advantage, Part D, and Medigap options for your exact ZIP code with 2027 details. And 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, 7 days a week to answer questions and help with enrollment.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
When is Medicare Open Enrollment for 2027 coverage?
What if my Maryland Medicare Advantage plan is not returning in 2027?
How high can my Part D drug costs go in 2027?
Is the 2027 Part B premium known yet?
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
- Medicare.gov Medigap policy search
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (2026 and 2027): Maryland plan counts, non-renewing carriers, and county-level changes.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 out-of-pocket cap, maximum deductible, and base beneficiary premium.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the number of Medigap insurers listed for a Maryland ZIP code.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates and the Special Enrollment Period for discontinued plans.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.