• Skip to main content
  • Skip to secondary menu
  • Skip to footer
Medicare Plans

Medicare Plans

We are Medicare Plans

  • Medicare Options
  • Costs
  • Answers
    • Eligibility
    • Options
    • Enrollment
    • Costs
    • Coverage
  • Medicare Advantage
  • Special Needs
  • Medicare Supplement
  • Prescription Drugs
  1. 🏠
  2. Medicare Advantage Plans
  3. Maryland
  4. Carroll County

2026 Medicare Advantage Plans in Carroll County, MD

Last update: September 3, 2026.

Carroll County, MD has 20 Medicare Advantage plans available in 2026. These include 9 plans with no monthly premium, and roughly 25% are rated at least 4 stars based on CMS data.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Carroll County, MD. Or explore all Medicare Options available in Carroll County, MD.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium: $35.19/mo
$0 Premium Plans: 9
Average MOOP: $7,433 ($9,250 max. in 2026)
Star Ratings (Plan Mix): 4+ Stars: 25% · 3 Stars: 75% · Below 3: 0%
Average Part D Deductible: $274.64
Total MA/MAPD Enrollment: 4,014
Plans with the Highest Enrollment
(as of September 8, 2026)
1. CareFirst BlueCross BlueShield Advantage Essential (PPO) — 905 enrollees
2. Johns Hopkins Advantage MD (HMO) — 423 enrollees
3. CareFirst BlueCross BlueShield Advantage Complete (PPO) — 418 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 10
  • Average Monthly Premium $36.47/mo
  • Total PPO Enrollment 2,896
  • $0 Premium PPO Plans 4
  • Average MOOP $7,275
  • Top PPO by Enrollment CareFirst BlueCross BlueShield Advantage Essential (PPO) — 905 enrollees
  • PPO Plans Without Drug Coverage 3

Comparison table of 2026 PPO Medicare Advantage Plans available in Carroll County, Maryland
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
HumanaChoice H7617-044
☆☆☆☆☆
$9 $7,550 $615 H7617-044-0
CareFirst BlueCross BlueShield Advantage Complete
☆☆☆☆☆
$42 $7,300 $0 H7379-002-0
CareFirst BlueCross BlueShield Advantage Essential
☆☆☆☆☆
$0 $8,300 $0 H7379-001-0
CareFirst BlueCross BlueShield Advantage Salute
☆☆☆☆☆
$0 $5,900 N/A H7379-003-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-386-1
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A H5216-379-0
HumanaChoice H5216-376
☆☆☆☆☆
$9 $7,550 $615 H5216-376-0
HumanaChoice H5216-387
☆☆☆☆☆
$54 $7,550 $500 H5216-387-1
Johns Hopkins Advantage MD
☆☆☆☆☆
$95 $7,550 $615 H3890-001-0
Johns Hopkins Advantage MD Plus
☆☆☆☆☆
$155 $7,550 $615 H3890-002-0
What is the most popular PPO plan in Carroll?

CareFirst BlueCross BlueShield Advantage Essential (PPO) is the top PPO in Carroll, with 905 enrollees.

What is the number of PPO plans without Part D coverage in Carroll?

There are 3 PPO plans in Carroll without prescription drug coverage.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
8
Average Monthly Premium
$24.63/mo
Total HMO Enrollment
874
$0 Premium HMO Plans
5
Average MOOP
$7,663
Top HMO by Enrollment
Johns Hopkins Advantage MD (HMO) — 423 enrollees
HMO Plans Without Drug Coverage
3

Comparison table of 2026 HMO Medicare Advantage Plans available in Carroll County, Maryland
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Medicare Advantage Liberty
☆☆☆☆☆
$0 $5,900 N/A H2172-005-0
Kaiser Permanente Medicare Advantage Value 2 MD
☆☆☆☆☆
$0 $8,900 $0 H2172-026-0
Alterwood Advantage Choice
☆☆☆☆☆
$30 $7,500 $0 H9306-008-1
Alterwood Advantage Choice Plus
☆☆☆☆☆
$122 $6,500 $0 H9306-002-0
Alterwood Advantage Freedom
☆☆☆☆☆
$0 $9,250 N/A H9306-003-0
Alterwood Advantage Select
☆☆☆☆☆
$0 $7,500 $295 H9306-009-1
Johns Hopkins Advantage MD
☆☆☆☆☆
$45 $8,950 $590 H1225-001-0
Johns Hopkins Advantage MD Tribute
☆☆☆☆☆
$0 $6,800 N/A H1225-004-0

What is the typical premium for HMO plans in Carroll?

HMO plans in Carroll cost $24.63 per month on average.

Which HMO plan do most beneficiaries choose in Carroll?

The most popular HMO plan in Carroll is Johns Hopkins Advantage MD (HMO), with 423 enrollees.

How many HMO options are offered without prescription drug coverage in Carroll?

There are 3 HMO plans in Carroll without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 2
  • Average Monthly Premium $71.00/mo
  • Total HMO-POS Enrollment 244
  • $0 Premium HMO-POS Plans 0
  • Average MOOP $7,300
  • Top HMO-POS by Enrollment Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS) — 181 enrollees
  • HMO-POS Plans Without Drug Coverage 0

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Carroll County, Maryland
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Medicare Advantage High MD
☆☆☆☆☆
$104 $5,700 $0 H2172-002-0
Kaiser Permanente Medicare Advantage Standard 2 MD
☆☆☆☆☆
$38 $8,900 $0 H2172-022-0
What is the total number of HMO-POS plans in Carroll?

In 2026, Carroll has 2 HMO-POS plans with 244 enrollees.

How much do HMO-POS plans cost in Carroll?

The typical HMO-POS premium in Carroll is $71.00, and 0 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Carroll County, MD for 2026.

CMS Star Ratings for Medicare Advantage Plans in Carroll County, MD (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 5 25%
3 Stars 15 75%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.7

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

  • CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

Footer

About This Site

  • About MedicarePlans.com
  • How We Use CMS Data
  • How We Make Money
  • Editorial Policy
  • Why We Exist

Policies & Standards

    • Privacy Policy
    • Contact Us
    • Terms of Use
    • Medicare Publishing Excellence Standards
    • Medicare AI Visibility Study
    • 2027 Medicare Advantage Market Study

 

Trademark Notice

MedicarePlans.com uses U.S. trademarks, service marks, and registered trademarks solely for purposes of identification, description, and factual reference. All such use constitutes nominative fair use and does not imply affiliation, endorsement, or sponsorship by any trademark holder.

© 2026 MedicarePlans.com. All Rights Reserved
MedicarePlans.com is an independent, non-commercial Medicare data platform.
Editorial stewardship: David W. Bynon