Medicare Part D
Maryland Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10
BALTIMORE — Marylanders who buy a stand-alone Medicare prescription drug plan will choose from 9 plans offered by 5 insurers in 2027, one fewer plan than the 10 offered in 2026, according to the Centers for Medicare & Medicaid Services Landscape files. The insurer lineup also shifts: Blue Cross and Blue Shield of IL, NM, OK, TX enters the state's stand-alone market, and HealthSpring, which offered stand-alone plans in 2026, is not offering them in 2027.
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Click to call 855-729-3240Key takeaways
- Maryland has 9 stand-alone Part D drug plans from 5 insurers for 2027, down from 10 plans in 2026.
- Blue Cross and Blue Shield of IL, NM, OK, TX is new to Maryland's stand-alone Part D market for 2027; HealthSpring is not offering stand-alone plans in the state for 2027.
- In 2027, no Part D plan may charge a deductible higher than $700, and a member's out-of-pocket spending on covered drugs is capped at $2,400.
- Review drug lists and pharmacies on the Medicare Plan Finder at medicare.gov before December 7, 2026 for coverage that starts January 1, 2027.
| 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 |
| Part D maximum deductible (2026) | $615 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
Stand-alone Part D plans in Maryland are sold region-wide. CMS places Maryland in the Mid-Atlantic Part D region together with Delaware and the District of Columbia, so the 9 plans counted here are available to Medicare beneficiaries anywhere in the state. Choices for 2027 are made during Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026, with coverage taking effect January 1, 2027.
How many stand-alone Part D plans are offered in Maryland for 2027?
Maryland has 9 stand-alone Medicare Part D prescription drug plans from 5 insurers in 2027, compared with 10 plans from 5 insurers in 2026. That is a net decrease of one plan year over year, with the insurer count unchanged at five.
The change reflects two moves in the Mid-Atlantic Part D region that includes Maryland: Blue Cross and Blue Shield of IL, NM, OK, TX is new to the state's stand-alone market for 2027, and HealthSpring, which offered stand-alone plans in 2026, is not doing so in 2027. Because these are stand-alone drug plans, they can be paired with Original Medicare; drug coverage built into Medicare Advantage plans is counted separately and is not included in the 9.
Which insurers offer stand-alone Part D plans in Maryland for 2027?
Five insurers offer stand-alone Part D plans in Maryland for 2027. Listed alphabetically, they are:
- Aetna Medicare — 1 plan
- Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan
- Humana — 3 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
This list is for information only and is not a ranking. Premiums, deductibles, copays, covered drugs, pharmacy networks and star ratings vary by plan and should be checked plan by plan on the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.
What do the 2027 Part D out-of-pocket cap and deductible limit mean for Marylanders?
In 2027, a Maryland Part D member's out-of-pocket spending on covered prescription drugs is capped at $2,400 for the year, up from $2,100 in 2026. Once a member reaches that cap, they pay $0 for covered drugs for the rest of the calendar year.
Separately, the most any Part D plan may charge as an annual deductible in 2027 is $700. Plans may charge less, and some charge no deductible at all; the $700 figure is a ceiling set by CMS, not a plan-specific amount. Both figures apply to stand-alone Part D plans and to the Part D coverage inside a Medicare Advantage plan that includes drugs. For context, CMS also sets a Part D base beneficiary premium each year — $41.33 for 2027 — which is used in the late-enrollment penalty formula and is not the premium of any particular plan.
Which Maryland Part D plans can someone with full Extra Help join with no premium in 2027?
In 2027, 2 of Maryland's stand-alone Part D plans are available with no monthly premium to a person who qualifies for full Extra Help, the same count as in 2026. These are the plans CMS designates as low-income benchmark plans in the Mid-Atlantic region.
Extra Help, also called the Low Income Subsidy, lowers Part D premiums, deductibles and copays for people with limited income and resources. Marylanders can apply for Extra Help through the Social Security Administration at ssa.gov or by calling Social Security, and can see which specific plans qualify as benchmark plans on the Medicare Plan Finder at medicare.gov.
How does stand-alone Part D compare with the drug coverage built into Medicare Advantage in Maryland?
A stand-alone Part D plan in Maryland covers prescription drugs only and is designed to go with Original Medicare. The 9 plans counted here for 2027 are stand-alone plans. Medicare Advantage plans are a different product; most include prescription drug coverage, but that coverage is part of the Medicare Advantage plan and is not counted in the 9.
A person generally cannot be enrolled in both a stand-alone Part D plan and a Medicare Advantage plan that includes drug coverage at the same time. Which path fits depends on the member's doctors, hospitals, prescriptions and preferences, and is worth comparing side by side on medicare.gov before Open Enrollment ends.
How can Marylanders check a plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at medicare.gov is the official tool for checking any 2027 Maryland Part D plan's formulary (drug list), tier placement, prior authorization rules and pharmacy network before the December 7, 2026 deadline. Entering a ZIP code and a list of current medications returns plan-specific results for the Mid-Atlantic region.
It helps to have the names, dosages and quantities of each prescription on hand, along with preferred pharmacies. The plan's own "Evidence of Coverage" and formulary documents, available from the insurer, confirm the details. Anything chosen during Medicare Open Enrollment 2027 takes effect January 1, 2027.
Where can Marylanders get free help with Part D for 2027?
Free, unbiased help is available directly from Medicare. The Medicare Plan Finder at medicare.gov allows side-by-side comparisons of 2027 Maryland Part D plans, and 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, seven days a week, including holidays, with TTY service at 1-877-486-2048.
The Social Security Administration announced a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027; questions about Social Security benefits, Medicare enrollment and Extra Help can be directed to Social Security at ssa.gov or by phone.
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.
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.
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.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
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.
Good to know
Frequently asked questions
How many stand-alone Part D plans are available in Maryland for 2027?
Which insurers are new or leaving Maryland's stand-alone Part D market for 2027?
What is the Part D out-of-pocket cap in Maryland for 2027?
When is Medicare Open Enrollment for 2027 coverage?
- CMS — Medicare Part D program 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
Figures cited in this article
- CMS Landscape Source Files (2027 and 2026): Maryland stand-alone Part D plan and insurer counts, the Mid-Atlantic Part D region definition, the entry of Blue Cross and Blue Shield of IL, NM, OK, TX, the exit of HealthSpring from the stand-alone market, and the count of low-income benchmark plans.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 $2,400 out-of-pocket cap, the $700 maximum deductible, and the $41.33 base beneficiary premium.
- Medicare.gov — Medicare enrollment periods: the October 15 – December 7, 2026 Annual Enrollment dates and the January 1, 2027 effective date.
- Social Security Administration: the October 14, 2026 announcement of the 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, and information about Extra Help.
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.