Medicare Advantage

UnitedHealthcare Medicare Advantage in Maryland for 2027: 4 Plans, County by County

BALTIMORE — For the 2027 plan year, UnitedHealthcare is offering 4 Medicare Advantage plans across Maryland, according to the CMS Medicare Advantage Landscape Source File for CY2027. The plans are listed on this page as a table, with each one tied to the specific counties where it is sold. UnitedHealthcare is one of 9 carriers offering Medicare Advantage in the state next year, out of 47 total plans statewide. This article is published by an independent Medicare education site; it is not UnitedHealthcare, not an insurance carrier, and not the federal government.

How many UnitedHealthcare Medicare Advantage plans are offered in Maryland for 2027?

UnitedHealthcare is offering 4 Medicare Advantage plans in Maryland for 2027, based on the CMS Landscape file. By plan type, that is 2 HMO plans, 1 HMO-POS plan, and 1 PPO plan. All 4 plans include Part D prescription drug coverage.

Within those 4 plans, 3 are Dual Eligible Special Needs Plans (D-SNP) for people who have both Medicare and Medicaid, and 1 is an Institutional Special Needs Plan (I-SNP) for people who live in a qualifying long-term care setting. UnitedHealthcare does not have a Chronic Condition Special Needs Plan (C-SNP) in Maryland for 2027. For context, Maryland has 9 Medicare Advantage carriers total next year, offering 47 plans across the state.

Which UnitedHealthcare plans reach the most Maryland counties in 2027?

The UnitedHealthcare plan with the widest county footprint in Maryland for 2027 is UHC Dual Complete MD-S002 (HMO D-SNP), offered in 16 counties. UHC Nursing Home Plan EX-F004 (PPO I-SNP) follows, offered in 15 counties.

The other two plans have a narrower footprint: UHC Dual Complete MD-Q001 (HMO-POS D-SNP) is offered in 5 counties, and a second listing of UHC Dual Complete MD-S002 (HMO D-SNP) is also offered in 5 counties. The I-SNP, as its name indicates, is designed for people who meet an institutional level of care — generally those in a nursing facility. The D-SNPs are limited to people enrolled in both Medicare and Medicaid. Because Medicare Advantage is sold county by county, a plan listed on the statewide table may not be available at your specific address.

What is new or not returning from UnitedHealthcare in Maryland for 2027?

UnitedHealthcare has 0 new Medicare Advantage plans in Maryland for 2027, and 6 of its 2026 Maryland plans are not returning. One of the returning plans, UHC Dual Complete MD-Q001 (HMO-POS D-SNP), was renamed from its 2026 listing.

If you are currently enrolled in a UnitedHealthcare plan that is not continuing into 2027, you should receive an Annual Notice of Change or a non-renewal notice from the plan explaining your options. You can compare what remains available in your county using the Medicare Plan Finder.

How do I check whether a UnitedHealthcare plan is offered in my Maryland county and covers my doctors and prescriptions?

To confirm a plan is sold in your county and that it covers your doctors and prescriptions, use the Medicare Plan Finder at medicare.gov and enter your ZIP code. The Plan Finder will show only the plans available at your address, and lets you enter your prescriptions and look up providers.

The statewide carrier table on this page shows how many Maryland counties each UnitedHealthcare plan appears in, but a plan listed statewide may not be offered in the county where you live. For the authoritative details on costs, covered drugs, provider network, and rules for each plan, read the plan's Evidence of Coverage, Summary of Benefits, pharmacy formulary and provider directory. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week.

What should Maryland Medicare beneficiaries do before December 7, 2026?

Before December 7, 2026, Maryland beneficiaries can use the Annual Enrollment Period, which runs October 15 through December 7, 2026, to join, switch, or drop a Medicare Advantage or Part D plan for coverage that begins January 1, 2027. Decisions made in that window take effect on the first of the year.

A practical checklist:

• Read the Annual Notice of Change from your current plan, which arrives in the fall and lists what will change for 2027.
• Make a list of your doctors, hospitals, and prescriptions.
• Run that list through the Medicare Plan Finder at medicare.gov to see which plans in your county fit.
• If you qualify for both Medicare and Medicaid, or you live in a long-term care facility, check whether a Special Needs Plan is a fit for your situation.
• Keep copies of any confirmation numbers after you enroll.

Outside of the Annual Enrollment Period, people in Medicare Advantage have a Medicare Advantage Open Enrollment Period from January 1 through March 31 each year to make one change. Separate Special Enrollment Periods exist for specific situations such as moving or losing other coverage.

Where can Maryland residents get free Medicare help?

Free, unbiased Medicare help is available directly from the federal government at medicare.gov and by calling 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. These resources can look up plans by ZIP code, explain enrollment periods, and walk through how Original Medicare, Medicare Advantage, and Part D fit together.