Maryland Medigap Plans
Medicare Supplement Plans in Maryland - 2026 Rates, Rules & Carrier Options
Medicare Enrollees
1.0 million
Avg Plan G Premium
$130–$200/month
Most Popular Plan
Plan G
Special Rule
Birthday Rule (annual switch window)
Medigap in Maryland
Maryland is one of a handful of states with a Birthday Rule, which gives beneficiaries an annual window to switch Medigap plans without medical underwriting. CareFirst BlueCross BlueShield is the dominant regional carrier in Maryland. Premiums tend to be higher than the national average, reflecting the state's higher cost of living. Plan G is the most popular choice, though Plan F remains available for those who enrolled in Medicare before January 1, 2020.
Open Enrollment in Maryland
Standard 6-month open enrollment period starting when you turn 65 and enroll in Medicare Part B. Maryland also has a Birthday Rule - see state-specific rules below.
Maryland Medigap Rules
- Maryland has a Birthday Rule allowing plan switches within 30 days of your birthday each year
- Under the Birthday Rule, you can switch to a plan with equal or lesser benefits without underwriting
- CareFirst BlueCross BlueShield is the dominant regional carrier in Maryland
- Premiums tend to be higher than the national average due to cost of living
Top Carriers in Maryland
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