Best Medicare Advantage Plans in Maryland for 2027
Every general-audience Medicare Advantage plan with drug coverage in Maryland, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Maryland plans, ranked
Showing all 23 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | CareFirst BlueCross BlueShield Advantage Complete (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO18 of 24 counties · drug deductible $400Dental up to $1,700/yr · eyewear $250/yr | $45 | $6,300 | $6,840 | 2.5★ |
| 2 | Kaiser Permanente Medicare Advantage High MD (HMO-POS)Kaiser Permanente · HMO-POS11 of 24 counties · drug deductible $0Dental up to $1,000/yr · eyewear $225/yr · hearing aids $333/yr per ear · OTC items $100/yr | $114 | $5,700 | $7,068 | 4.5★ |
| 3 | CareFirst BlueCross BlueShield Advantage Essential (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO16 of 24 counties · drug deductible $700Dental up to $1,200/yr · eyewear $250/yr | $0 | $7,151 | $7,151 | 2.5★ |
| 4 | Alterwood Advantage Select (HMO)Alterwood Advantage · HMO19 of 24 counties · drug deductible $295Dental up to $2,975/yr · eyewear $225/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 5 | Alterwood Advantage Select (HMO)Alterwood Advantage · HMO1 of 24 counties · drug deductible $295Dental up to $2,725/yr · eyewear $225/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 6 | CareFirst BlueCross BlueShield Advantage Signature (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO18 of 24 counties · drug deductible $600Dental up to $500/yr · eyewear $100/yr | $47 | $7,151 | $7,715 | 2.5★ |
| 7 | CareFirst BlueCross BlueShield Advantage Signature (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPO6 of 24 counties · drug deductible $600Dental up to $500/yr · eyewear $100/yr | $58 | $7,151 | $7,847 | 2.5★ |
| 8 | Kaiser Permanente Medicare Advantage Care Plus MD (HMO-POS)Kaiser Permanente · HMO-POS2 of 24 counties · drug deductible $0Dental up to $1,500/yr · eyewear $250/yr · hearing aids $333/yr per ear · OTC items $240/yr | $33 | $7,500 | $7,896 | 4.5★ |
| 9 | Alterwood Advantage Choice (HMO)Alterwood Advantage · HMO19 of 24 counties · drug deductible $0Dental up to $3,175/yr · eyewear $150/yr | $35 | $7,500 | $7,920 | 3.5★ |
| 10 | Alterwood Advantage Choice (HMO)Alterwood Advantage · HMO1 of 24 counties · drug deductible $0Dental up to $2,850/yr · eyewear $150/yr | $45 | $7,500 | $8,040 | 3.5★ |
| 11 | HumanaChoice H5216-376 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4★ |
| 12 | HumanaChoice H7617-044 (PPO)Humana · PPO13 of 24 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $8,050 | $8,050 | 4.5★ |
| 13 | Kaiser Permanente Medicare Advantage Value 1 MD (HMO)Kaiser Permanente · HMO5 of 24 counties · drug deductible $0Dental up to $500/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $8,200 | $8,200 | 4.5★ |
| 14 | Kaiser Permanente Medicare Advantage Standard 1 MD (HMO-POS)Kaiser Permanente · HMO-POS5 of 24 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $160/yr | $32 | $7,900 | $8,284 | 4.5★ |
| 15 | HumanaChoice H5216-387 (PPO)Humana · PPO14 of 24 counties · drug deductible $600Dental up to $1,000/yr · eyewear $200/yr | $73 | $7,550 | $8,426 | 4★ |
| 16 | Johns Hopkins Advantage MD Access (PPO)Johns Hopkins Advantage MD · PPO5 of 24 counties · drug deductible $350Dental up to $1,000/yr · eyewear $200/yr | $47 | $8,000 | $8,564 | 4★ |
| 17 | Kaiser Permanente Medicare Advantage Value 2 MD (HMO)Kaiser Permanente · HMO3 of 24 counties · drug deductible $0Preventive dental · eyewear $200/yr · hearing aids $333/yr per ear | $0 | $8,900 | $8,900 | 4.5★ |
| 18 | Johns Hopkins Advantage MD (PPO)Johns Hopkins Advantage MD · PPO10 of 24 counties · drug deductible $615Preventive dental · eyewear $200/yr | $95 | $7,950 | $9,090 | 4★ |
| 19 | Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS)Kaiser Permanente · HMO-POS6 of 24 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $180/yr | $38 | $8,900 | $9,356 | 4.5★ |
| 20 | Humana Gold Plus H6622-081 (HMO)Humana · HMO4 of 24 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $48 | $8,950 | $9,526 | 4★ |
| 21 | Johns Hopkins Advantage MD Plus (PPO)Johns Hopkins Advantage MD · PPO10 of 24 counties · drug deductible $615Preventive dental · eyewear $250/yr · OTC items $100/yr | $165 | $7,550 | $9,530 | 4★ |
| 22 | Johns Hopkins Advantage MD (HMO)Johns Hopkins Advantage MD · HMO10 of 24 counties · drug deductible $590Preventive dental · eyewear $250/yr · OTC items $200/yr | $49 | $8,950 | $9,538 | 3.5★ |
| 23 | HealthSpring Preferred Plus (HMO)HealthSpring · HMO4 of 24 counties · drug deductible $300Dental up to $5,000/yr · eyewear $150/yr | $38 | $9,850 | $10,306 | 3★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 7 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | CareFirst BlueCross BlueShield Advantage Salute (PPO)CareFirst BlueCross BlueShield Medicare Advantage · PPOAll 24 countiesPart B giveback $100/mo · Dental up to $1,000/yr · eyewear $250/yr · OTC items $160/yr | $0−$100 Part B giveback | $5,900 | $4,700 | 2.5★ |
| 2 | Alterwood Advantage Freedom (HMO)Alterwood Advantage · HMO20 of 24 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $150/yr | $0−$100 Part B giveback | $6,500 | $5,300 | 3.5★ |
| 3 | Humana USAA Honor Giveback (PPO)Humana · PPO16 of 24 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$100 Part B giveback | $6,750 | $5,550 | 4★ |
| 4 | Humana USAA Honor Giveback (HMO)Humana · HMO4 of 24 countiesPart B giveback $78/mo · Dental up to $2,000/yr · eyewear $200/yr | $0−$78 Part B giveback | $6,750 | $5,814 | 4★ |
| 5 | Kaiser Permanente Medicare Advantage Liberty (HMO)Kaiser Permanente · HMO11 of 24 countiesDental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $5,900 | $5,900 | 4.5★ |
| 6 | HealthSpring Courage (HMO)HealthSpring · HMO4 of 24 countiesPart B giveback $90/mo · Dental up to $900/yr · eyewear $100/yr | $0−$90 Part B giveback | $7,150 | $6,070 | 3★ |
| 7 | Johns Hopkins Advantage MD Tribute (HMO)Johns Hopkins Advantage MD · HMO10 of 24 countiesPart B giveback $40/mo · Dental up to $2,000/yr · eyewear $150/yr · OTC items $140/yr | $0−$40 Part B giveback | $7,200 | $6,720 | 3.5★ |
County pages
Anne Arundel County · Baltimore County · Baltimore City · Carroll County · Cecil County · Charles County · Frederick County · Harford County · Howard County · Montgomery County · Prince George's County · St. Mary's County · Washington County · Wicomico County
Questions
How many Medicare Advantage plans are available in Maryland for 2027?
CMS lists 23 general-audience Medicare Advantage plans with drug coverage in Maryland for 2027, from 6 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Maryland?
Yes. 7 of the 23 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Maryland Medicare Advantage plan has the lowest worst-case cost?
CareFirst BlueCross BlueShield Advantage Complete (PPO) from CareFirst BlueCross BlueShield Medicare Advantage: $45 a month with an in-network out-of-pocket maximum of $6,300, so at most about $6,840 in premiums and in-network costs for the year. It is offered in 18 of 24 counties.
Which Maryland Medicare Advantage plans have 4 or more stars?
13 of the 23 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Maryland Medicare Advantage plans have a Part B giveback?
None of the 23 plans with drug coverage files a Part B premium reduction for 2027.
What is the typical out-of-pocket maximum in Maryland?
The median in-network out-of-pocket maximum among these plans is $7,550. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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