Maryland has 235,000+ ACA marketplace enrollees. Compare Maryland health insurance plans, estimate your subsidy, and understand your options. Free, unbiased, and takes 2 minutes.
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This search surfaces our written guides. It doesn't replace advice from a licensed insurance producer.
A licensed Maryland agent will review your options and help you compare ACA Marketplace plans at no cost to you.
Maryland residents enroll through Maryland Health Connection (marylandhealthconnection.gov), the state-run marketplace. Missing key deadlines can mean waiting months for coverage.
The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.
Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.
The final day of Open Enrollment. Plans start February 1, 2027. After this, a qualifying life event is required.
Lost coverage? Changed jobs? Moved? Qualifying life events open a 60-day Special Enrollment Period any time of year.
Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium in Maryland.
These are the primary insurance companies offering ACA Marketplace plans in Maryland. Availability varies by county and zip code.
Maryland's largest health insurer, offering the broadest network of hospitals and doctors across the state.
An integrated health system offering HMO plans with its own network of doctors and hospitals in the Baltimore-Washington corridor.
National carrier offering Maryland Marketplace plans with access to CVS MinuteClinic locations statewide.
National carrier offering Marketplace plans in select Maryland counties with a broad provider network.
Offers Marketplace plan options in the Baltimore and DC-metro Maryland markets.
A Maryland-based nonprofit health plan focused on preventive and primary care in the greater Baltimore area.
Answers to the most common questions about ACA health insurance in Maryland.
Yes. Maryland runs Maryland Health Connection at marylandhealthconnection.gov. This state-based marketplace is where you enroll in ACA plans and apply for Premium Tax Credits. Maryland has operated its own exchange since the ACA launched.
Yes. Maryland expanded Medicaid in 2014. Marylanders earning up to 138% of the Federal Poverty Level (about $22,025 for a single person in 2026) may qualify for Maryland Medicaid at little or no cost. Children may qualify at even higher income levels through CHIP.
Premium Tax Credits are available to Maryland residents earning above 138% of the FPL (since those below 138% qualify for Medicaid expansion). There is no upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may qualify.
Yes. Maryland offers the Maryland Premium Assistance program, which provides additional state subsidies on top of federal ACA tax credits for certain low-income residents. Maryland Health Connection can determine your eligibility for both state and federal assistance when you apply.
Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.
A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.
At the federal level, the individual mandate penalty was reduced to $0 in 2019. Maryland does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.
ACA plan availability, carrier options, and costs vary by county. Select your county for local plan data, carrier listings, and subsidy estimates specific to where you live.
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23 Maryland counties have a dedicated page live today. More are added regularly.