Medicare Advantage
Baltimore's 2027 C-SNPs: two chronic-condition Medicare plans and how to join
Baltimore city has 24 Medicare Advantage plans for 2027. Compared with 2026, 9 plans are not coming back, 2 are new, and 9 continuing plans changed in some way you should check before December 7, 1 of them under a new name. This guide covers what those numbers mean for Baltimore, not which plan to pick.
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Key takeaways
- Two Chronic Condition Special Needs Plans will be offered in Baltimore city for 2027, from HealthSpring and KeyCare Advantage.
- A C-SNP is a Medicare Advantage plan limited to people with a specific chronic condition that a provider must verify.
- People with a qualifying condition get a Special Enrollment Period, so they do not have to wait for Oct. 15 – Dec. 7, 2026 to join.
- Current plan details — benefits, drug lists, networks, costs — come from medicare.gov, 1-800-MEDICARE, or the plan's own Evidence of Coverage.
BALTIMORE — As Medicare's Annual Enrollment Period opens Oct. 15, 2026, Baltimore residents living with a serious ongoing illness have a narrower slice of the Medicare Advantage shelf to look at: Chronic Condition Special Needs Plans, or C-SNPs. For plan year 2027, two C-SNPs will be offered in Baltimore city, the county where Baltimore sits, according to CMS Medicare Advantage Landscape files.
C-SNPs are a type of Medicare Advantage plan built around a specific chronic diagnosis. They are not open to everyone — a provider has to confirm the qualifying condition before a person can enroll. The upside: people who qualify do not have to wait for the Annual Enrollment Period to join. A separate Special Enrollment Period exists for them.
What a C-SNP actually is
A Special Needs Plan (SNP) is a Medicare Advantage plan Congress allowed CMS to tailor to a defined group. There are three kinds: D-SNPs for people with both Medicare and Medicaid, I-SNPs for people living in nursing homes or needing that level of care, and C-SNPs for people with certain severe or disabling chronic conditions.
Every C-SNP includes Part A, Part B and Part D drug coverage in one plan. What makes it a C-SNP is that its benefits, provider network and drug formulary are designed around the condition it serves. If you do not have that condition, you cannot enroll in that plan — even during AEP.
The C-SNPs offered in Baltimore for 2027
Baltimore city will have 2 C-SNPs available in 2027, offered by 2 carriers. The table on this page lists every Medicare Advantage plan in the county; the two C-SNPs are:
- HealthSpring Achieve (HMO C-SNP) — HealthSpring
- KeyCare Advantage Plus (HMO C-SNP) — KeyCare Advantage
Both are HMO plans with drug coverage included. We are not naming the specific condition either one is built around — the plan documents and medicare.gov are the right place to confirm that, along with the network, formulary and cost sharing.
For context, Baltimore city's 2027 Special Needs Plan lineup also includes 9 D-SNPs (for people with Medicare and Medicaid) and 2 I-SNPs (institutional). People who do not qualify for a C-SNP still have the broader Medicare Advantage menu to consider.
How enrollment works — and why the diagnosis step matters
A C-SNP cannot enroll you on your word alone. CMS requires the plan to verify the qualifying chronic condition, usually through your treating provider. The plan will typically ask you to supply your provider's contact information, then follow up to confirm the diagnosis. If the condition cannot be confirmed within the window CMS allows, the enrollment does not stand.
That verification step is why it helps to talk with your doctor's office before you apply — they will know they are being contacted and can respond quickly.
The Special Enrollment Period for chronic conditions
Most people can only switch Medicare Advantage plans during AEP (Oct. 15 – Dec. 7, 2026, for 2027 coverage) or the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31). People with a qualifying chronic condition have an extra door.
Once a provider confirms the diagnosis, that person can enroll in a matching C-SNP outside AEP. The SEP is available once per enrollment — meaning you can use it to join a C-SNP, but you cannot keep hopping between C-SNPs on the same SEP. If a C-SNP later determines you no longer meet the condition, there is a grace period during which you can move to another Medicare Advantage plan or back to Original Medicare.
What else to know for 2027
A few program-level numbers are already set for 2027. The Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 (from $615 in 2026). The Part B standard premium and deductible for 2027, and the 2027 IRMAA income brackets, have not been announced yet — CMS typically publishes those in the fall.
If you already have a Medicare Advantage plan, your Annual Notice of Change (ANOC) arrived (or will arrive) in September. In Baltimore city, 9 Medicare Advantage plans are not returning for 2027, 2 are new, and 1 has been renamed. If you do nothing and your plan is offered again, it renews automatically with the changes in the ANOC.
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.
By the numbers
How people get Medicare in Baltimore city
(MA penetration in Baltimore city)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Chronic-condition plans
Chronic Condition Special Needs Plans (C-SNP) in Baltimore city for 2027
CMS lists 2 C-SNPs in Baltimore city for 2027, alphabetically by carrier. A C-SNP is open to people with a qualifying chronic condition, verified by a provider.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| HealthSpring 1 plan | |||
| HealthSpring Achieve (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| KeyCare Advantage 1 plan | |||
| KeyCare Advantage Plus (HMO C-SNP) | HMO C-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
HMO, PPO and Special Needs Plans in Baltimore city for 2027
- Alterwood Advantage 5 plans: HMO
- CareFirst BlueCross BlueShield Advantage DualPrime 1 plan: HMO
- CareFirst BlueCross BlueShield Medicare Advantage 3 plans: PPO
- HealthSpring 4 plans: HMO
- Johns Hopkins Advantage MD 1 plan: HMO
- Kaiser Permanente 5 plans: HMO, HMO-POS
- KeyCare Advantage 2 plans: HMO
- UnitedHealthcare 3 plans: HMO, HMO-POS, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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 PeriodAnyone 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.
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
Who qualifies for a C-SNP in Baltimore?
Can I join a C-SNP outside the Annual Enrollment Period?
What happens if my condition changes and I no longer qualify?
How do I see what a specific C-SNP covers?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Baltimore
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This page was last updated: October 2026.