CareFirst of Maryland Health Insurance Plans in Largo, Maryland
- CareFirst of Maryland offers both HMO and PPO plans on the Maryland Health Connection marketplace in Largo.
- Maryland residents with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Maryland Medicaid (HealthChoice).
- Largo, located in Prince George's County, is part of Maryland Rating Area 1, which includes 24 counties across the state.
- In 2026, 4 carriers, including CareFirst of Maryland, offer marketplace plans in Rating Area 1.
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What CareFirst of Maryland Plans Are Available in Largo?
CareFirst of Maryland provides a range of health insurance plans on the Maryland Health Connection marketplace, serving Largo and the broader Maryland Rating Area 1. Unlike some states where PPO plans are only available off-exchange, Maryland Health Connection shoppers can choose from PPO, HMO, and EPO structures. CareFirst of Maryland offers both HMO and PPO variants, giving consumers more choice in how they manage their healthcare network and referrals. These plans are categorized by metal tiers: Bronze, Silver, Gold, and Platinum. Each tier covers Essential Health Benefits, but they differ in how costs are split between you and the insurer:- Bronze plans: Typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. Best for those who expect minimal healthcare use or want catastrophic coverage.
- Silver plans: Offer moderate premiums and deductibles. They are the only plans eligible for cost-sharing reductions, which can significantly lower your deductibles, copayments, and out-of-pocket maximums if your income is below 250% FPL.
- Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs when you need care. Suitable for those who expect regular medical needs.
Understanding Your Eligibility and Financial Assistance in Maryland
Maryland is a Medicaid expansion state, which significantly broadens eligibility for low-income residents. If your income falls below certain thresholds, you may qualify for Maryland Medicaid (HealthChoice) or substantial marketplace subsidies.| Income Level (as % of FPL) | Assistance Type | Details for Maryland Residents |
|---|---|---|
| Up to 138% FPL | Maryland Medicaid (HealthChoice) | Adults may qualify for comprehensive, no-cost coverage. For a single individual, this is approximately $20,120 per year in 2026. |
| 138% to 250% FPL | Premium Tax Credits & Cost-Sharing Reductions | Significant subsidies to lower monthly premiums and out-of-pocket costs (deductibles, copays, coinsurance), especially on Silver plans. |
| 250% to 400% FPL | Premium Tax Credits | Subsidies to reduce monthly premiums, ensuring premiums for a benchmark Silver plan do not exceed a certain percentage of income. |
| Above 400% FPL | Premium Tax Credits (Enhanced) | Under current law, premium tax credits are available for all income levels if the cost of a benchmark plan exceeds 8.5% of household income. |
| Pregnant Women (up to 250% FPL) | Maryland Medicaid / MCHP | Coverage includes comprehensive prenatal care, labor, delivery, and extended postpartum care. Maryland has one of the highest eligibility thresholds for pregnant women among our production states. |
| Children (up to 300% FPL) | Maryland Children's Health Program (MCHP) | Comprehensive health coverage for uninsured children in families meeting income guidelines. |
Health Insurance Carriers in Largo
In 2026, 4 carriers offer marketplace plans in Maryland Rating Area 1, which serves Largo, Maryland. These carriers provide a variety of plan types and networks to meet the diverse needs of residents. The confirmed carriers for this rating area are:- CareFirst BlueChoice
- CareFirst of Maryland
- Optimum Choice
- Wellpoint
Making Your Health Insurance Decision in Largo
Choosing the right health insurance plan for your needs in Largo involves assessing your income, healthcare usage, and preferred providers.- If your income is below 138% FPL: You likely qualify for Maryland Medicaid (HealthChoice). Apply through Maryland Health Connection or your local Department of Social Services.
- If your income is between 138% and 250% FPL: Focus on Silver plans on Maryland Health Connection. These plans offer the best value due to eligibility for both premium tax credits and cost-sharing reductions.
- If your income is above 250% FPL: Compare Bronze, Silver, and Gold plans. If you anticipate frequent medical care, a Gold plan with a higher premium but lower out-of-pocket costs might be more economical. If you prefer lower monthly costs and foresee minimal healthcare needs, a Bronze plan could be suitable.
- If you are pregnant: Maryland Medicaid covers pregnant women up to 250% FPL, offering extensive benefits. Apply immediately if you believe you qualify.
Frequently Asked Questions
How do I enroll in a CareFirst of Maryland plan in Largo?
You can enroll in CareFirst of Maryland plans through the Maryland Health Connection website (marylandhealthconnection.gov) during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage.
What is Maryland Rating Area 1?
Maryland Rating Area 1 is a geographic region that determines the base cost of health insurance plans. Largo, Maryland, is part of this multi-county rating area, which includes 24 counties across Maryland. This means that health insurance rates for the same plan will be consistent across all counties within Rating Area 1.
Does Maryland Health Connection offer PPO plans?
Yes, PPO plans are available on the Maryland Health Connection marketplace. Carriers like CareFirst of Maryland and CareFirst BlueChoice offer PPO options, alongside HMO and EPO plans, providing Maryland residents with a broader range of network and referral structures to choose from.