Medicare Advantage Plans in Maryland 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Maryland has about 42 percent of Medicare beneficiaries in Advantage plans. The Baltimore metro and Washington D.C. suburbs have the most options, with plans from CareFirst, UnitedHealthcare, Humana, and others. Rural Western Maryland and the Eastern Shore have considerably fewer choices.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Maryland.
Rural Coverage Note
Parts of Maryland have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Maryland Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Maryland
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Maryland
Maryland's proximity to major academic medical centers in Baltimore, including Johns Hopkins and the University of Maryland Medical Center, makes Medigap attractive for residents who want unrestricted access to those facilities without prior authorizations.