2027 Maryland Medicare Plans

2027 Maryland Medicare Insurance Plan Changes Webinar

Losing your plan? Want updated prices? Get clear facts, pricing and plan options on our free webinar. No selling. Just facts. From Supplement Plans to Advantage Plans, learn what options you have in Maryland for 2027. Invite your friends and share this webpage.

2027 Maryland Plan changes webinar invite

2027 Drug Plan Change

Learn how to search for the best 2027 Drug Plan for you. These will be recorded.

PART D WEBINARS

OCTOBER 20th @ 10AM Learn how to check & enroll into your 2027 Part D plan.

NOVEMBER 20th @ 10AM Learn how to check & enroll into your 2027 Part D plan.

ABOUT YOUR HOST

Peter Palmiotto

Local Medicare Insurance Broker

Your host and speaker is Peter Palmiotto, an independent insurance broker and CEO of East Coast Health Advisors and founder of Maryland Medicare Options. Peter has specialized in Medicare for 15+ years. His insurance agency is based in Annapolis, and serves the entire mid-Atlantic area.

Medicare 2027 - Frequently Asked Questions

Get answers to common questions about 2027 Medicare plan changes in Maryland.

What are the key Medicare plan changes coming in 2027 in Maryland?

Maryland is experiencing significant Medicare Advantage Plan changes in 2027. Every Maryland county will have at least one plan termination, affecting more than 21,000 beneficiaries who must select new coverage by December 31, 2026, or face a gap in comprehensive coverage.

Humana is terminating the highest number of plans statewide, affecting approximately 16,000 members. Regional carriers are also issuing terminations: CareFirst is dropping 4,000 members, Johns Hopkins is terminating coverage for 1,600 members, and Alterwood Health is discontinuing plans for 430 members.

What are my options if my Maryland Medicare Advantage Plan is terminating?

If you are among the 21,000 beneficiaries losing your Medicare Advantage Plan in 2027, you have several options.

Option 1: Select a New Medicare Advantage Plan
Review available plans in your county and enroll in a replacement Medicare Advantage Plan before December 31, 2026. We recommend booking a call with us to discuss which plan you're losing and explore comparable replacements.

Option 2: Switch to a Medicare Supplement Plan
Your termination letter is your "golden ticket" to moving to a Medigap Supplement Plan without health questions or underwriting. Since you're being involuntarily disenrolled, your approval is guaranteed. While Supplement Plans cost more monthly than Advantage Plans, they offer significant benefits worth considering, including no network restrictions and predictable costs.

Option 3: Remain on Original Medicare
You can continue with Original Medicare Parts A and B, though this option provides less comprehensive coverage than Advantage or Supplement Plans.

Important Warning: Protect Yourself from Scams
Scam artists target areas where plans are terminating. Never give your Medicare ID, date of birth, or personal information to unsolicited callers. All legitimate, licensed Medicare brokers must have your permission to contact you. If you choose not to work with us, select a local, licensed broker who understands these changes and your options.

We're Here to Help
Book a free call with us at: eastcoasthealthadvisors.com/book-a-call/. We live and work in Maryland with offices in Annapolis, serve the entire state, and have helped over 3,000 clients since 2011. Our services are completely free.

What are the 2027 Medicare costs and rates?

The Centers for Medicare and Medicaid Services (CMS) sets certain Medicare costs nationally. Here is what we know about 2027:

CMS-Set Costs (Subject to Minor Changes)

Part B Monthly Premium: $209.50 (up from $202.90 in 2026)
Part B Annual Deductible: $310 (up from $283 in 2026)
Part D Annual Deductible: $700 (up from $615 in 2026)
Part D Maximum Out-of-Pocket: $2,400 (up from $2,100 in 2026)

Medicare Supplement Plan Costs
Medigap premiums are expected to increase 8-15% in 2027 due to higher utilization among policyholders. This upward trend has continued since 2024, though experts expect increases to moderate in coming years. In 2026, some carriers increased Plan G and Plan F premiums by more than 20%.

Medicare Advantage Plan Costs
Maryland may see slight upward premium movement in 2027 due to rising costs and carrier pressures. However, some carriers are choosing to reduce benefits rather than increase premiums, lowering frequency and amounts of covered services. Others are raising premiums while reducing or eliminating select benefits that were once standard in their plans.

Medicare Part D (Prescription Drug) Changes
Part D rules remain the same whether you're on a Supplement or Advantage Plan. The deductible rises to $700 and the maximum out-of-pocket increases to $2,400. A significant change: the current administration has terminated Part D subsidy extensions to insurance carriers. Seniors will bear the brunt of this nearly $13 per month subsidy loss, so expect Part D premiums to increase in 2027.

How do I change my Maryland Medicare plan for 2027?

Changing your Medicare plan for 2027 is simple. Book a time to speak with us at: eastcoasthealthadvisors.com/book-a-call/

Here's Our Process:

Gather Your Information - We'll collect basic information about your preferred doctors, current prescriptions, and health requirements.
Present Your Options - We'll identify suitable plans and present you with detailed benefits and pricing comparisons.
You Choose - You select the plan that best fits your needs and budget.
We Enroll You - We handle all the enrollment paperwork and submit your application.

Why Work With Us:

No sales pressure or tactics
Completely free service
We handle everything from start to finish
Local Maryland expertise with offices in Annapolis
Over 3,000 satisfied clients since 2011

Do I need to reapply for my drug plan next year?

No, you do not need to reapply for your Medicare Part D drug plan for 2027 unless you receive a termination notice from your carrier. Your enrollment continues automatically into the new plan year.

However, You Should Review Your Plan
While reapplication isn't required, we strongly recommend reviewing your current plan for significant changes, including:

Premium increases
Changes to copayments and coinsurance
Formulary changes (which medications are covered)
Changes to pharmacy networks
Tier level changes for your medications

We Can Help You Review
We host live webinars where we walk you through exactly how to check your 2027 Medicare Part D plan and identify whether your current plan remains the best option for your medications and budget. These webinars cover everything you need to know about Part D changes for 2027.

For personalized assistance, book a call with us at: eastcoasthealthadvisors.com/book-a-call/

SCHEDULE YOUR FREE MEDICARE CONSULTATION NOW

What options do I have to change my plan?

There are multiple plan change opportunities throughout the year. The most widely used is the Annual Enrollment Period (AEP) which occurs from October 15th to December 7th each year.

Annual Enrollment Period

October 15 through December 7

Known as "AEP"
You can add, change, drop Advantage Plans
You can add, change, drop Rx Drug Plans
Sometimes referred to as "Open Enrollment" but this can cause confusion and misinformation

NOTE: See TV commercials promising unlimited benefits for free? These are massive call centers with limited plan options. CMS (Medicare) received so many complaints about these companies that CMS had to implement new marketing rules. Never give your Medicare ID to anyone that you didn't ask to call you. They can change your plan without your permission. Get a broker's State license first, ask for referrals, ask to see their website. Call us, and we'll tell you if it's a scam or not.

MA OPEN ENROLLMENT PERIOD

January 1 through March 31

Known as the Medicare Advantage Open Enrollment Period
You can change or drop Advantage Plans
You can return to Original Medicare
Medicare (CMS) does not allow any company or broker to actively promote or advertise this time period, so please take note of this information

NOTE: You cannot join an Advantage Plan during this time period unless you already have one in place, unless you qualify for an IEP or a different SEP. You cannot change an Rx Drug Plan during this time. If you have an Advantage Plan, and you add an Rx Drug Plan during this time, your Advantage Plan will automatically be terminated. Call us for details.

INITIAL ENROLLMENT PERIOD

All Year - Varies By Person

Known as "IEP"
This is when you first become eligible for Medicare, which for most is at age 65
It is a 7 month window, 3 months prior to, and 3 months after your 65th birth month
If you have a permanent disability and get SSA benefits, your IEP is 3 months before your 25th month of SSA benefits, and ends 3 months after your 25th month. Those on SSA disability will get a second IEP when they turn 65

SPECIAL ENROLLMENT PERIOD

All Year - Varies By Person & Situation

Known as an "SEP"
These are small windows of time, typically 63 days for most situations that you can make changes
You can add, change, drop Advantage Plans
You can add, change, drop Rx Drug Plans
You can add, change, drop a Supplement Plan
There are dozens of SEP designations with varying degrees of rules, and these rules vary by state. It's best to discuss your situation with a broker prior to making any changes. The broker should be an expert in your state, or better yet, live in the state to help you better understand all of your options. Time is of the essence, don't wait to speak to someone or you might miss your only window to make a much needed change.

MEDICAID / INCOME BASED

All Year - Varies By Person & Situation

Known as an "SEP"
Is triggered by your income
Can be triggered by an individual making less than $45,000 through Maryland's SPDAP option
Maryland's highest level of help is Medicaid with a QMB status (Qualified Medicare Beneficiary) for individuals making less than $1,153 or married couples making less than $1,546
You can add, change, drop Advantage Plans
You can add, change, drop Rx Drug Plans
QMB & FBDE recipients have access to additional Advantage Plans throughout Maryland
Various rules apply, please contact us for details
Here are some various Medicare income rates >

SUPPLEMENT PLAN ENROLLMENT

All Year - Varies By Person & Situation

Known as "Medigap" or "Gap" Plans
You can add, change or drop a Medicare Supplement Plan 365 days a year
Popular options are F, G, N or high deductible options. Those >65 only have the Plan A option.
Unless you are in your IEP or a specific SEP, you will need to answer health questions to qualify for a plan, and your application can be denied
Rates vary by state, age, sex, and possibly health (those with preexisting conditions may be "rated up" to a higher premium level or denied completely). Call for details about which conditions may trigger higher rates.
Plan enrollments or changes can start on the 1st day of the following month of the application date.