Medicare Supplement Plans in Maryland: 2026 Guide
Maryland uses issue-age rating, which is more consumer-friendly than attained-age rating. Your premium is locked at the age you enroll and only increases due to general medical inflation, not aging.
Plan G vs Plan N in Maryland: 2026 Premiums
The two most popular Medigap plans in Maryland are Plan G and Plan N. Here's how they compare:
| Feature | Plan G | Plan N |
|---|---|---|
| Average monthly premium (age 65) | $160/mo | $128/mo |
| Premium range (age 65) | $130–$250/mo | $104–$200/mo |
| Part B deductible ($283/yr) | You pay | You pay |
| Doctor visit copay | None | Up to $20 |
| Emergency room copay | None | Up to $50 (waived if admitted) |
| Part B excess charges | Covered | Not covered |
| Foreign travel emergency | 80% (after $250 deductible, up to $50K) | 80% (after $250 deductible, up to $50K) |
| Monthly savings vs Plan G | N/A | ~$32/mo |
Premiums are averages for a 65-year-old non-smoking female. Actual rates vary by insurer, age, gender, and tobacco use. Always compare multiple quotes.
Issue-Age Rating in Maryland
Maryland uses issue-age rating, which sets your premium based on how old you are when you first enroll; that rate stays locked regardless of how old you get. Only general medical inflation causes increases over time. This rewards enrolling at age 65 and keeping the same plan: the younger you are when you enroll, the lower your permanent rate tier.
Guaranteed-Issue Rights in Maryland
Maryland uses issue-age rating, which means premiums are based on your age when you first enroll and do not increase solely due to aging.
The most important guaranteed-issue period for most people is the Initial Enrollment Period (IEP): the 6-month window that begins when you are both age 65 (or older) and enrolled in Medicare Part B. During this window, all insurers must accept your application at their standard rates regardless of your health history.
Maryland Plan G Costs in Context
At an estimated $160/month for a 65-year-old, Plan G in Maryland ranks #36 of 51 among states and DC from lowest to highest cost, sitting 19% above the national median of $135/month in our dataset. Maryland is home to about 1,150,000 Medicare beneficiaries (#21 by enrollment), so the number of active insurers can be more limited than in the largest states.
Maryland uses issue-age rating, so your premium is tied to the age at which you enroll. Enrolling at 65 locks in the lowest age tier available to you, and later increases come from medical inflation rather than from your birthday.
Plan G vs Plan N break-even in Maryland
Plan N costs about $32 less per month than Plan G here, or roughly $384 a year. Because Plan N can charge up to $20 per office visit and up to $50 per emergency room visit that does not lead to admission, that saving is used up after about 19 office visits or 7 ER visits in a year (the copays are maximums, so real-world break-even is often a little higher). Plan N also does not cover Part B excess charges.
| Care use in a year | Plan G total | Plan N total (max copays) | Lower cost |
|---|---|---|---|
| Light use: 2 office visits, no ER | $2,203 | $1,859 | Plan N |
| Typical use: 6 office visits, no ER | $2,203 | $1,939 | Plan N |
| Regular use: 12 office visits, 1 ER visit | $2,203 | $2,109 | Plan N |
| Heavy use: 20 office visits, 2 ER visits | $2,203 | $2,319 | Plan G |
Totals add twelve months of the estimated age-65 premium to the $283 Part B deductible (2026) that both plans leave to you, plus Plan N copays at their maximum. They exclude Part B premiums and Part D. Actual quotes vary by insurer, age, gender, and tobacco use.
How Maryland compares with nearby states
Other Northeast states with similar Plan G pricing, for comparison:
| State | Plan G (age 65) | Plan N (age 65) | Rating method |
|---|---|---|---|
| Maryland | ~$160/mo | ~$128/mo | issue age |
| Pennsylvania | ~$152/mo | ~$122/mo | attained age |
| New Hampshire | ~$178/mo | ~$143/mo | attained age |
| Delaware | ~$180/mo | ~$145/mo | attained age |
| Maine | ~$185/mo | ~$150/mo | community |
Top Medicare Supplement Insurers in Maryland
These carriers are among the most active in Maryland's Medigap market. Compare quotes from at least 3–4 insurers before enrolling.
- CareFirst BCBS
- UnitedHealthcare
- Cigna
Note: Availability and rates vary. The above are frequently quoted carriers in Maryland, not an endorsement. Always verify current availability and rates directly with each insurer.
Maryland Department of Insurance
The Maryland Insurance Administration regulates Medicare Supplement insurance in Maryland. If you have a complaint about an insurer or need help understanding your rights, contact them directly:
Enrollment Tips for Maryland Residents
- Enroll during your open enrollment window. The 6-month window starting when you first get Part B at 65 is your best chance, guaranteeing acceptance at standard rates.
- Compare at least 3 quotes. Premiums for identical coverage can vary by 30–50% between insurers. Use a licensed broker or comparison tool.
- Ask about rate history. In attained-age states like most, ask each carrier for their 5-year rate increase history before committing.
- Consider your typical healthcare usage. Frequent users benefit most from Plan G; occasional users can often save with Plan N.
- Factor in age increases. Plan G at $150/month at 65 may cost $200+ at 75 under attained-age rating. Project forward before deciding.
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What is the best Medicare Supplement plan in Maryland?
Plan G is the most popular Medicare Supplement plan in Maryland and nationally. It covers everything Medicare doesn't pay except the Part B deductible ($283 in 2026). For budget-conscious beneficiaries comfortable with small copays, Plan N, which costs roughly $32/month less than Plan G in Maryland, is an excellent alternative. The "best" plan depends on your health, budget, and how often you use medical services.
How much does Medicare Supplement cost in Maryland?
Average Plan G premiums in Maryland for a 65-year-old non-smoking female range from approximately $130–$250/month, with a typical starting rate around $160/month in 2026. Plan N averages $128/month at age 65. Premiums vary by insurer, your exact age, gender, and tobacco use. Always compare quotes.
What rating method does Maryland use for Medicare Supplement?
Maryland uses issue-age rating, which sets your premium based on the age when you first enroll. Your premium won't rise simply because you get older; it only rises due to general medical cost increases. This rewards enrolling at 65 and keeping the plan long-term.
Does Maryland have a Medigap Birthday Rule?
No, Maryland does not currently have a Birthday Rule. Outside of your initial 6-month open enrollment period (when you first enroll in Medicare Part B), you can generally only switch Medigap plans if you qualify for a Special Enrollment Period or can pass medical underwriting.
When is the best time to enroll in Medicare Supplement in Maryland?
The best time to enroll is during your Initial Enrollment Period (IEP): the 6 months starting the month you turn 65 AND are enrolled in Medicare Part B. During this window, insurers must accept you regardless of health status at their best available rates. After this window closes, you may be subject to medical underwriting in most states.
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This site provides general information about Medicare Supplement insurance and medical alert devices. It is not affiliated with or endorsed by the Centers for Medicare & Medicaid Services (CMS) or any government agency. This is not medical or insurance advice. Always consult a licensed insurance professional for personalized guidance.
Medicare rules, premiums, and plan availability change annually. Always verify current information with Medicare.gov, your State Insurance Department, or a licensed insurance advisor. For free, unbiased help, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.