Cumberland, Maryland: health insurance
Cumberland is in Allegany County. Here is what Cumberland residents should know about coverage.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Maryland Medicaid: Maryland Department of Health, Medicaid Administration · 1-855-642-8572 (Maryland Health Connection call center) · health.maryland.gov/mmcp/pages/home.aspx
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Coverage in Cumberland
Cumberland has about 18,751 residents (U.S. Census Bureau 2023 estimate).
Plans for Cumberland residents are determined by Allegany County, home to about 67,273 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Allegany County before you choose it.
- Turning 65 in Cumberland? Your Initial Enrollment Period runs seven months around your birthday. Maryland SHIP (State Health Insurance Program) offers free counseling at (800) 243-3425.
- Buying your own plan? Shop through Maryland Health Connection.
- Medicaid questions? Maryland Department of Health, Medicaid Administration handles applications.
Maryland note: Unlike states where the insurance regulator or health department runs Medicare counseling directly, Maryland's SHIP sits inside the Department of Aging -- a caller asking the Maryland Insurance Administration about Medicare plan choices will get routed to a different state agency entirely.
Medicare plans leaving Allegany County for 2027
Medicare plans are set by county, so this applies to residents of this city. 8 plans are listed in Allegany County for 2026 but not for 2027, covering at least 622 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| HumanaChoice SNP-DE H5216-377 (PPO D-SNP) H5216-377 | Humana | 316 |
| HumanaChoice SNP-DE H5216-459 (PPO D-SNP) H5216-459 | Humana | 235 |
| Humana USAA Honor Giveback (PPO) H5216-386 | Humana | 71 |
| Provider Partners Maryland Advantage Plan (HMO I-SNP) H8067-001 | Rifkin Managed Care Holding | 10 or fewer |
| Provider Partners Maryland Community Plan (HMO I-SNP) H8067-003 | Rifkin Managed Care Holding | 10 or fewer |
| Provider Partners Maryland Essential Plan (HMO I-SNP) H8067-004 | Rifkin Managed Care Holding | 10 or fewer |
See all 8 plans leaving Allegany County →
Looking for your own plan? Find your company and plan →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Cumberland
Maryland public institutions include University of Maryland, College Park, University of Maryland, Baltimore, Towson University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Maryland colleges.
Do Cumberland and Allegany County have the same plans?
Plans are offered by service area, and Cumberland falls under Allegany County. A plan that serves Allegany County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Cumberland residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095 Open 8 AM-10 PM Eastern timeOther major Maryland cities
- Baltimore
- Frederick
- Rockville
- Gaithersburg
- Annapolis
- Hagerstown
- Bowie
- College Park
- Salisbury
- Laurel
- Greenbelt
- Hyattsville
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.