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2027 Medicare Advantage Plans in Harford County, MD

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For 2027, Harford County, MD includes 15 Medicare Advantage plans. Enrollment across these plans totals approximately 4,132, with 8 $0 premium options and 40% rated 4 stars or higher.

At a Glance

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Harford County, MD are provided separately. Or you can discover all Medicare Options in Harford County, MD. For a statewide view, browse Medicare Advantage plans in Maryland to examine available plan types, average premiums, out-of-pocket limits, CMS star ratings, and the most-enrolled plans across the state.

Medicare Advantage PPO Plans

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

Total PPO Plans
4
Average Monthly Premium
$23.00/mo
Total PPO Enrollment
1,354
$0 Premium PPO Plans
2
Average MOOP
$6,626
Top PPO by Enrollment
CareFirst BlueCross BlueShield Advantage Essential (PPO) — 846 enrollees
PPO Plans Without Drug Coverage
1

2027 PPO Medicare Advantage plans in Harford County, Maryland (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
CareFirst BlueCross BlueShield Advantage Complete
☆☆☆☆☆
 $45 $6,300 $400 H7379-002-0
CareFirst BlueCross BlueShield Advantage Essential
☆☆☆☆☆
 $0 $7,151 $700 H7379-001-0
CareFirst BlueCross BlueShield Advantage Salute
☆☆☆☆☆
 $0 $5,900 N/A H7379-003-0
CareFirst BlueCross BlueShield Advantage Signature
☆☆☆☆☆
 $47 $7,151 $600 H7379-004-1

What is the typical premium for PPO plans available in Harford?

PPO plans in Harford cost $23.00 per month on average.

Which PPO plan do most beneficiaries choose in Harford?

The most popular PPO plan in Harford is CareFirst BlueCross BlueShield Advantage Essential (PPO), with 846 enrollees.

How many PPO options are offered without drug coverage in Harford?

1 PPO plans in Harford do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

2027 HMO Medicare Advantage plans in Harford County, Maryland (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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
Humana Gold Plus H6622-081
☆☆☆☆☆
 $48 $8,950 $700 H6622-081-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $6,750 N/A H6622-094-0
Alterwood Advantage Choice
☆☆☆☆☆
 $35 $7,500 $0 H9306-008-1
Alterwood Advantage Freedom
☆☆☆☆☆
 $0 $6,500 N/A H9306-003-0
Alterwood Advantage Select
☆☆☆☆☆
 $0 $7,500 $295 H9306-009-1
HealthSpring Courage
☆☆☆☆☆
 $0 $7,150 N/A H2108-045-0
HealthSpring Preferred Plus
☆☆☆☆☆
 $38 $9,850 $300 H2108-022-0
What is the total number of HMO plans offered in Harford?

In 2027, Harford County has 9 HMO plans with 2,002 enrollees.

How much do HMO plans cost in Harford?

The typical HMO premium in Harford is $13.44, and 6 plans have no monthly premium.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
2
Average Monthly Premium
$76.00/mo
Total HMO-POS Enrollment
776
$0 Premium HMO-POS Plans
0
Average MOOP
$7,300
Top HMO-POS by Enrollment
Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS) — 606 enrollees
HMO-POS Plans Without Drug Coverage
0

2027 HMO-POS Medicare Advantage plans in Harford County, Maryland (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Kaiser Permanente Medicare Advantage High MD
☆☆☆☆☆
 $114 $5,700 $0 H2172-002-0
Kaiser Permanente Medicare Advantage Standard 2 MD
☆☆☆☆☆
 $38 $8,900 $0 H2172-022-0
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Harford cost $76.00 per month on average.
Which HMO-POS plan is most popular in Harford?
The most popular HMO-POS plan in Harford is Kaiser Permanente Medicare Advantage Standard 2 MD (HMO-POS), with 606 enrollees.
How many HMO-POS plans in Harford do not include drug coverage?
There are 0 HMO-POS plans in Harford without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Harford County, MD (2027) are summarized below.

Quality Ratings for Medicare Advantage Plans in Harford County, MD (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 6 40%
3 Stars 5 33%
Below 3 Stars 4 27%
Not Rated 0 0%
Average Rating 3.5

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Harford County, Maryland, including communities such as Aberdeen, Aberdeen Proving Ground, Abingdon, Bel Air, Belcamp, Churchville, Darlington, Edgewood, Fallston, Forest Hill, Havre De Grace, Jarrettsville, Joppa, Pylesville, Street, Whiteford, White Hall, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .