2026 Medicare Advantage plans in Howard, MD
20 plans open to everyone with Medicare, 14 Special Needs Plans and 10 stand-alone drug plans. Sorted by star rating, then premium.
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Medicare Advantage plans
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Kaiser Permanente Medicare Advantage Liberty (HMO)Kaiser Permanente · H2172-005-0 · HMO | $0 | $5,900 | no drug coverage | ★★★★½ 4.5 |
| Kaiser Permanente Medicare Advantage Value 2 MD (HMO)Kaiser Permanente · H2172-026-0 · HMO | $0 | $8,900 | $0 | ★★★★½ 4.5 |
| Kaiser Permanente Medicare Advantage Care Plus MD (HMO-POS)Kaiser Permanente · H2172-014-0 · HMO-POS | $28 | $7,500 | $150 | ★★★★½ 4.5 |
| Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS)Kaiser Permanente · H2172-022-0 · HMO-POS | $38 | $8,900 | $0 | ★★★★½ 4.5 |
| Kaiser Permanente Medicare Advantage High MD (HMO-POS)Kaiser Permanente · H2172-002-0 · HMO-POS | $104 | $5,700 | $0 | ★★★★½ 4.5 |
| CareFirst BlueCross BlueShield Advantage Salute (PPO)CareFirst BlueCross BlueShield Medicare Advantage · H7379-003-0 · PPO | $0 | $5,900 | no drug coverage | ★★★★ 4.0 |
| CareFirst BlueCross BlueShield Advantage Essential (PPO)CareFirst BlueCross BlueShield Medicare Advantage · H7379-001-0 · PPO | $0 | $8,300 | $0 | ★★★★ 4.0 |
| CareFirst BlueCross BlueShield Advantage Complete (PPO)CareFirst BlueCross BlueShield Medicare Advantage · H7379-002-0 · PPO | $42 | $7,300 | $0 | ★★★★ 4.0 |
| Alterwood Advantage Freedom (HMO)Alterwood Advantage · H9306-003-0 · HMO | $0 | $9,250 | no drug coverage | ★★★½ 3.5 |
| Johns Hopkins Advantage MD Tribute (HMO)Johns Hopkins Advantage MD · H1225-004-0 · HMO | $0 | $6,800 | no drug coverage | ★★★½ 3.5 |
| Humana USAA Honor Giveback (HMO)Humana · H6622-094-0 · HMO | $0 | $6,750 | no drug coverage | ★★★½ 3.5 |
| Humana Gold Plus H6622-095 (HMO)Humana · H6622-095-0 · HMO | $0 | $9,250 | $615 | ★★★½ 3.5 |
| Alterwood Advantage Select (HMO)Alterwood Advantage · H9306-009-1 · HMO | $0 | $7,500 | $295 | ★★★½ 3.5 |
| Johns Hopkins Advantage MD Primary (PPO)Johns Hopkins Advantage MD · H3890-005-0 · PPO | $5 | $7,550 | $590 | ★★★½ 3.5 |
| Alterwood Advantage Choice (HMO)Alterwood Advantage · H9306-008-1 · HMO | $30 | $7,500 | $0 | ★★★½ 3.5 |
| Humana Gold Plus H6622-081 (HMO)Humana · H6622-081-0 · HMO | $35 | $8,950 | $615 | ★★★½ 3.5 |
| Johns Hopkins Advantage MD (HMO)Johns Hopkins Advantage MD · H1225-001-0 · HMO | $45 | $8,950 | $590 | ★★★½ 3.5 |
| Johns Hopkins Advantage MD (PPO)Johns Hopkins Advantage MD · H3890-001-0 · PPO | $95 | $7,550 | $615 | ★★★½ 3.5 |
| Alterwood Advantage Choice Plus (HMO)Alterwood Advantage · H9306-002-0 · HMO | $122 | $6,500 | $0 | ★★★½ 3.5 |
| Johns Hopkins Advantage MD Plus (PPO)Johns Hopkins Advantage MD · H3890-002-0 · PPO | $155 | $7,550 | $615 | ★★★½ 3.5 |
Special Needs Plans
Only for people who have both Medicare and Medicaid, live in an institution, or have certain chronic conditions.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Kaiser Permanente Dual Essential Plan 2 MD (HMO D-SNP)Kaiser Permanente · H2172-019-0 · HMO D-SNP | $0 | $9,250 | $200 | ★★★★½ 4.5 |
| Kaiser Permanente Dual Complete Plan 2 MD (HMO D-SNP)Kaiser Permanente · H2172-017-0 · HMO D-SNP | $0 | $9,250 | $295 | ★★★★½ 4.5 |
| UHC Nursing Home Plan EX-F004 (PPO I-SNP)UnitedHealthcare · H0710-032-0 · PPO I-SNP | $27.80 | $9,250 | $615 | ★★★★½ 4.5 |
| CareFirst BlueCross BlueShield Advantage DualPrime (HMO D-SNP)CareFirst BlueCross BlueShield Advantage DualPrime · H8854-002-0 · HMO D-SNP | $0 | $8,850 | $615 | ★★★½ 3.5 |
| UHC Dual Complete MD-S002 (HMO D-SNP)UnitedHealthcare · H7464-008-1 · HMO D-SNP | $3.60 | $9,250 | $615 | ★★★½ 3.5 |
| Alterwood Advantage Dual Secure (HMO D-SNP)Alterwood Advantage · H9306-004-0 · HMO D-SNP | $28.10 | $9,250 | $615 | ★★★½ 3.5 |
| Alterwood Advantage Dual Value (HMO D-SNP)Alterwood Advantage · H9306-007-0 · HMO D-SNP | $31.20 | $9,250 | $615 | ★★★½ 3.5 |
| Johns Hopkins Advantage MD D-SNP (HMO D-SNP)Johns Hopkins Advantage MD · H1225-003-0 · HMO D-SNP | $31.20 | $9,250 | $615 | ★★★½ 3.5 |
| Provider Partners Maryland Community Plan (HMO I-SNP)Provider Partners Health Plans · H8067-003-0 · HMO I-SNP | $0 | $3,750 | $615 | ★★★★½ 4.5Part D rating |
| KeyCare Advantage Plus (HMO C-SNP)KeyCare Advantage · H6959-002-0 · HMO C-SNP | $0 | $6,900 | $300 | ★★★★ 4.0Part D rating |
| KeyCare Advantage (HMO I-SNP)KeyCare Advantage · H6959-001-0 · HMO I-SNP | $23.20 | $8,950 | $615 | ★★★★ 4.0Part D rating |
| Provider Partners Maryland Essential Plan (HMO I-SNP)Provider Partners Health Plans · H8067-004-0 · HMO I-SNP | $31.20 | $9,250 | $615 | ★★★★½ 4.5Part D rating |
| Provider Partners Maryland Advantage Plan (HMO I-SNP)Provider Partners Health Plans · H8067-001-0 · HMO I-SNP | $31.20 | $9,250 | $615 | ★★★★½ 4.5Part D rating |
| CommuniCare Advantage ISNP (HMO I-SNP)Communicare Advantage · H3727-002-2 · HMO I-SNP | $31.20 | $9,250 | $615 | ★★★ 3.0Part D rating |
Prescription drug plans (Part D)
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Humana Basic Rx Plan (PDP)Humana · S5884-103-0 · Part D | $0 | – | $615 | ★★★ 3.0Part D rating |
| Humana Value Rx Plan (PDP)Humana · S5884-184-0 · Part D | $4.30 | – | $601 | ★★★ 3.0Part D rating |
| Wellcare Value Script (PDP)Wellcare · S4802-140-0 · Part D | $5.60 | – | $615 | ★★★½ 3.5Part D rating |
| Wellcare Classic (PDP)Wellcare · S4802-079-0 · Part D | $5.70 | – | $615 | ★★★½ 3.5Part D rating |
| HealthSpring Assurance Rx (PDP)HealthSpring · S5617-214-0 · Part D | $32.60 | – | $615 | ★★½ 2.5Part D rating |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-350-0 · Part D | $37.80 | – | $615 | ★★ 2.0Part D rating |
| HealthSpring Extra Rx (PDP)HealthSpring · S5617-355-0 · Part D | $66.60 | – | $615 | ★★½ 2.5Part D rating |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-387-0 · Part D | $94.50 | – | $130 | ★★ 2.0Part D rating |
| SilverScript Choice (PDP)Aetna Medicare · S5601-010-0 · Part D | $97.40 | – | $615 | ★★★ 3.0Part D rating |
| Humana Premier Rx Plan (PDP)Humana · S5884-151-0 · Part D | $108.60 | – | $0 | ★★★ 3.0Part D rating |
Questions and answers
How many Medicare Advantage plans are available in Howard, MD for 2026?
34 Medicare Advantage and Special Needs plans are offered in Howard, MD for 2026, plus 10 stand-alone Part D prescription drug plans available statewide.
Are there $0 premium Medicare Advantage plans in Howard, MD?
Yes – 4 plans open to everyone with Medicare charge no monthly plan premium (you still pay the Part B premium).
Which plans in Howard, MD have the highest star ratings?
Kaiser Permanente Medicare Advantage Liberty (HMO) (4.5 stars); Kaiser Permanente Medicare Advantage Value 2 MD (HMO) (4.5 stars); Kaiser Permanente Medicare Advantage Care Plus MD (HMO-POS) (4.5 stars); Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS) (4.5 stars).