Updated July 2026 · MarylandPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Health Insurance in Crofton, Maryland

Crofton residents access health insurance through Maryland Health Connection, the state-based marketplace.
In 2026, 4 carriers offer marketplace plans in Rating Area 1, which includes Crofton, with options for HMO, PPO, and EPO plan types.
Maryland Medicaid (HealthChoice) provides coverage for adults with incomes up to 138% of the Federal Poverty Level.
Crofton's uninsured rate is 3.0%, significantly lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Crofton, Maryland, begins with the Maryland Health Connection, the state's official marketplace for Affordable Care Act (ACA) plans. This platform allows individuals and families to compare plans, apply for financial assistance, and enroll in coverage that meets their needs. Crofton residents have access to a variety of plan types, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans, with PPO options available on-exchange. Many residents in Crofton qualify for subsidies to reduce their monthly premiums, making comprehensive coverage more affordable. For those with lower incomes, Maryland's expanded Medicaid program, known as HealthChoice, offers extensive coverage without premiums or significant out-of-pocket costs.

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Understanding Your Health Insurance Options in Crofton

Crofton, a vibrant community in Anne Arundel County, benefits from Maryland's robust health insurance marketplace. Residents seeking coverage can explore plans offered by multiple carriers, ensuring a competitive selection. The availability of PPO plans on-exchange in Maryland is a key advantage, offering more flexibility in choosing doctors and specialists compared to states where PPOs are limited to off-marketplace (unsubsidized) options. Maryland Health Connection streamlines the enrollment process, providing a centralized portal to apply for coverage and determine eligibility for financial assistance.

Marketplace Plans and Subsidies

The Maryland Health Connection is the gateway to ACA-compliant health plans in Crofton. When you apply, the marketplace will assess your eligibility for two main types of financial help:

Premium Tax Credits (PTC): These subsidies lower your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL) and family size. Many Crofton residents with incomes between 100% and 400% FPL qualify for significant premium assistance.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver-tier plans for those with incomes up to 250% FPL, CSRs reduce out-of-pocket costs like deductibles, copayments, and coinsurance. This makes healthcare more affordable when you actually use it.

These subsidies are crucial for making health insurance accessible, especially given Crofton's median household income of $150,577, per U.S. Census Bureau ACS 2024 5-year estimates. Even with higher incomes, many individuals and families can still benefit from tax credits, particularly as plan costs can vary.

Maryland Medicaid (HealthChoice)

Maryland expanded its Medicaid program in 2014, known as Maryland Medicaid or HealthChoice. This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost health coverage. Unlike some states, Maryland does not have a "coverage gap" for this income range, ensuring that eligible low-income residents have access to care. HealthChoice covers a wide range of services, including doctor visits, hospital stays, prescription drugs, mental health care, and more. Maryland also provides robust Medicaid coverage for specific populations:

Pregnant Women: Maryland Medicaid covers pregnant women with incomes up to 250% FPL, one of the highest thresholds among production states. This includes comprehensive prenatal care, labor and delivery, and extended postpartum care.
Children: The Maryland Children's Health Program (MCHP), the state's CHIP equivalent, provides coverage for uninsured children with family incomes up to 300% FPL.

Applications for Maryland Medicaid and MCHP can be submitted through the Maryland Health Connection or the local Department of Social Services.

Health Insurance Carriers in Crofton

Crofton is located within Maryland Rating Area 1, which covers Allegany, Anne Arundel, Baltimore, Baltimore, Calvert, Caroline, Carroll, Cecil, Charles, Dorchester, Frederick, Garrett, Harford, Howard, Kent, Montgomery, Prince George's, Queen Anne's, Somerset, St. Mary's, Talbot, Washington, Wicomico, Worcester counties. In 2026, 4 carriers offer marketplace plans in Rating Area 1, providing Crofton residents with a diverse selection of coverage options. The confirmed carriers offering marketplace plans in Crofton for the 2026 plan year are:

CareFirst BlueChoice
CareFirst of Maryland
Optimum Choice
Wellpoint

These carriers offer a range of plan types, including HMO, PPO, and EPO structures, allowing residents to choose a plan that best fits their budget and healthcare preferences. When comparing plans, consider factors like monthly premiums, deductibles, copayments, coinsurance, and the network of doctors and hospitals.

Local Healthcare Access in Crofton and Anne Arundel County

Crofton residents benefit from access to a strong network of healthcare providers and facilities within Anne Arundel County. The county is home to two major acute care hospitals that serve the region: Luminis Health Anne Arundel Medical Center, Inc, located in Annapolis, and University of MD Baltimore Washington Medical Center, located in Glen Burnie. These facilities provide comprehensive medical services, from emergency care to specialized treatments. Crofton, with a population of 29,549 and an uninsured rate of 3.0%, is part of Anne Arundel County, which has a population of 598,166 and an uninsured rate of 4.7%, per U.S. Census Bureau ACS 2024 5-year estimates. Access to these local hospitals, such as Luminis Health Anne Arundel Medical Center and University of Maryland Baltimore Washington Medical Center, is a significant factor for residents when selecting a health plan, as plan networks determine which facilities and providers are covered. All confirmed carriers in Rating Area 1 include these major health systems in their networks, though specific plan types may have varying levels of access.

Making Your Health Insurance Decision in Crofton

Choosing the right health insurance plan in Crofton depends on your unique financial situation, health needs, and preferences. Here’s a general guide to help you decide:

If your income is below 138% FPL: You likely qualify for Maryland Medicaid (HealthChoice). This program offers comprehensive coverage with minimal or no costs. Apply through the Maryland Health Connection or your local Department of Social Services.
If your income is between 100% and 400% FPL: You are likely eligible for significant premium tax credits to lower your monthly payments for marketplace plans. Consider a Silver plan, especially if your income is below 250% FPL, as you may also qualify for cost-sharing reductions to reduce your out-of-pocket expenses.
If your income is above 400% FPL: While you may not qualify for premium tax credits, you can still find quality health plans through the Maryland Health Connection. Compare plans across the Bronze, Silver, Gold, and Platinum tiers to find one that balances premium costs with potential out-of-pocket expenses. Consider your expected healthcare usage for the year.

Regardless of your income, it is always beneficial to compare plans carefully. Look at the balance between monthly premiums and potential out-of-pocket costs (deductibles, copayments, coinsurance). Also, check if your preferred doctors and hospitals, such as Luminis Health Anne Arundel Medical Center or University of Maryland Baltimore Washington Medical Center, are in the plan's network.

Frequently Asked Questions

What types of health insurance plans are available in Crofton, Maryland?

In Crofton, Maryland, residents can find a variety of health insurance plan types through the Maryland Health Connection, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. PPO plans are available on-exchange in Maryland, providing more flexibility for choosing healthcare providers.

Can I get help paying for health insurance in Crofton?

Yes, many Crofton residents qualify for financial assistance, such as premium tax credits and cost-sharing reductions, through the Maryland Health Connection. Eligibility is based on household income and family size. Individuals and families with incomes between 100% and 400% of the Federal Poverty Level may qualify for subsidies to lower their monthly premiums. Those with incomes below 138% FPL may be eligible for Maryland Medicaid (HealthChoice).

What is the enrollment period for health insurance in Crofton?

The primary time to enroll in or change a health insurance plan in Crofton is during the annual Open Enrollment Period, which typically runs from November 1 to January 15 each year for coverage starting the following year. Outside of this period, you may qualify for a Special Enrollment Period if you experience a qualifying life event, such as marriage, birth of a child, or loss of other coverage.

Are PPO plans available on the Maryland Health Connection?

Yes, PPO (Preferred Provider Organization) plans are available on-exchange through the Maryland Health Connection. This means Crofton residents can choose from PPO, HMO, and EPO plan structures when selecting a marketplace health insurance plan. This offers greater choice and flexibility in provider networks compared to states that limit PPOs to off-marketplace options.