St. Mary's County, Maryland: health insurance
What St. Mary's County residents should know about Medicare, marketplace plans and Medicaid.
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.
St. Mary's County at a glance
| State | Maryland |
|---|---|
| Population (2023 est.) | 115,281 |
| Population rank in Maryland | 12 of 24 |
| Land area | 359 square miles |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Medicare plans leaving St. Mary's County for 2027
7 Medicare plans from 3 companies are listed in St. Mary's County for 2026 but not for 2027, covering at least 968 people enrolled in the plans below today.
- HealthSpring Assurance Rx (PDP) (S5617-214, Cigna HealthSpring (HCSC))
- HealthSpring Extra Rx (PDP) (S5617-355, Cigna HealthSpring (HCSC))
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| CareFirst BlueCross BlueShield Advantage Essential (PPO) H7379-001 | CareFirst | 562 |
| CareFirst BlueCross BlueShield Advantage Complete (PPO) H7379-002 | CareFirst | 190 |
| HumanaChoice SNP-DE H5216-459 (PPO D-SNP) H5216-459 | Humana | 117 |
| HumanaChoice SNP-DE H5216-377 (PPO D-SNP) H5216-377 | Humana | 74 |
| Humana USAA Honor Giveback (PPO) H5216-386 | Humana | 25 |
See which companies have plans leaving across Maryland: Maryland Medicare plans ending for 2027 →
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.
Is your plan on this list? Call 855-367-1095 and we will look at what is available where you live, with no obligation to enroll.
Why your county matters for coverage
In Maryland, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in St. Mary's County means the options on this page apply to you, and plans in a neighboring county may differ.
- Medicare: Maryland SHIP (State Health Insurance Program) gives free, unbiased counseling at (800) 243-3425. Ask which plans serve St. Mary's County specifically.
- Marketplace plans: shop through Maryland Health Connection; enter your St. Mary's County ZIP code to see what is offered.
- Medicaid: apply through Maryland Department of Health, Medicaid Administration.
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.
Questions about St. Mary's County
Are the same Medicare plans offered everywhere in Maryland?
No. Plans are offered by service area. A plan available in one county may not be offered in St. Mary's County, so check by county.
Where do St. Mary's County residents get free Medicare counseling?
Maryland SHIP (State Health Insurance Program) ((800) 243-3425) is Maryland's free SHIP program.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
St. Mary's County 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 large counties
- Montgomery County
- Prince George's County
- Baltimore County
- Anne Arundel County
- Baltimore city
- Howard County
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.