Best Medicare Supplement Plans in Maryland (2026)

Monthly premiums for the lowest-cost plan in each category range from $95 to $266 for 65-year-olds in Maryland across all 10 standardized plan types. 

United American has the best rates across multiple popular plans: Plan A at $124 a month, Plan C at $266, Plan K at $95 and Plan L at $136. Aetna covers Plan B, State Farm covers Plan D and Humana covers Plans F, G and N at the lowest rates in each category. Transamerica covers Plan M at $181. These options save Maryland seniors $13 to $347 a month compared to state averages.

*These rates reflect Medigap premiums for 65-year-olds. 

United American's Plan A saves $347 a month against the Maryland average, while State Farm's Plan D saves $13, a 27-to-1 difference in price leverage across the two ends of the table. Maryland requires insurers to sell Medigap policies without medical underwriting during open enrollment and four of the five providers on this page use Attained Age Pricing, meaning premiums increase every year after you enroll.

Your needs may differ. Use the table to find the Medicare Supplement provider that fits your situation in Maryland:

Medigap costs in Maryland span $1,464 to $5,880 annually for 65-year-olds, depending on which plan type they choose.

Most Maryland seniors buy Plan G at $296 monthly because it fills nearly all Medicare coverage gaps once you've paid the Part B deductible. Budget-focused options start with Plan K at $122 a month. Plan C costs the most at $490 monthly. Plan N averages $250 per month. It covers most Medicare gaps but charges small copayments at doctor visits and emergency rooms, making it $46 below the Plan G average. Mid-range choices include Plan L at $213 and Plan D at $215. Plan M at $246 is similar in price but covers only 50% of the Part A deductible.

Medicare Supplement plans in Maryland are standardized by federal law, so Plan G offers identical benefits whether you buy it from Company A or Company B. The only variable is what you pay.

Learn More: What Does Medicare Cover and Not Cover?

Three factors determine the price difference between Maryland Medigap insurers. Claims handling reputation shows up in J.D. Power scores and NAIC complaint data, the moment you file is when it matters. Pricing style (Attained Age, Community or Issue Age) controls how fast your rate grows after 65. Some insurers add gym memberships or wellness discounts, which reduces your net cost.

Maryland Medicare beneficiaries who need Medicare Supplement information can reach out to these state organizations: 

• State Health Insurance Assistance Program (SHIP): Every Maryland county and Baltimore City has a SHIP office staffed by certified counselors who answer Medicare questions at no charge. Counselors walk you through Part D options, Medigap policy comparisons, premium costs, and Medicare Savings Programs. Sessions happen virtually or face-to-face depending on your preference. Call (410) 767-1100 to find your local office. Spanish line: (410) 767-1100.
• Maryland Insurance Administration (MIA): The MIA reviews Medigap policy forms, approves rate changes, and investigates policyholder complaints. You can file online through their secure portal or call their Health Coverage Assistance Team at (410) 468-2442 for Medicare Supplement questions. The Consumer Complaint Investigation unit accepts calls at (410) 468-2000 or toll-free at 1-800-492-6116. Email health insurance questions to hcat.mia@maryland.gov.
• Maryland Area Agencies on Aging: Nineteen local agencies across all Maryland counties run senior programs including caregiver support, meal services, transportation, ombudsman advocacy, and the Maryland Access Point referral system. Each county agency connects residents to benefits screening, legal aid, and long-term care resources. Find your county agency through the Maryland Department of Aging website.
• Medicare.gov: Browse all Medicare Supplement plans sold in Maryland by entering your county. Results show monthly premiums, coverage details, and insurer financial ratings side-by-side.

For most Maryland seniors at 65 in good health, Plan G from Humana at $171 monthly gives the best balance of coverage and cost. It covers every Medicare gap except the Part B deductible, and Humana's rate is $125 below the Maryland Plan G average. If your priority is the lowest possible monthly premium, Plan K from United American at $95 cuts costs further but requires 50% co-insurance on some services until you hit the $8,000 out-of-pocket limit.

Seniors with chronic conditions or regular hospital stays will find Plan G's fuller coverage worth the $76 per month premium over Plan N and the $912 per year gap over Plan K. 

Budget-focused seniors who want the widest choice of plan types should look at Transamerica, which covers eight of the 10 standardized plan types at $181 for Plan M. United American covers nine plan types and prices lowest on four of them. It's the right fit if you want to stay with one insurer while switching between plans.

Common questions about Maryland Medigap coverage.

MoneyGeek collected data for all Medicare plans in Maryland for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Maryland based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.