See your Maryland health insurance coverage options now.

To qualify for Marketplace coverage in Maryland, you must:⁴

• Live in Maryland
• Be a U.S. citizen, national, or lawfully present in the U.S.
• Not be incarcerated
• Not be enrolled in Medicare

Whether or not you qualify for financial assistance with your premium, deductible, or out-of-pocket costs depends on your income and how it compares with the cost of the second-lowest-cost Silver plan in your zip code. 

Additionally, to qualify for subsidies, you must: 

• Not have access to affordable health coverage through an employer. If you think your employer-sponsored health plan is too expensive, use our Employer Health Plan Affordability Calculator to check if you might qualify for premium subsidies in the Marketplace. 
• Not be eligible for Medicaid or CHIP in Maryland, or for premium-free Medicare Part A.

Maryland’s open enrollment period for individual and family health plans runs from November 1 to January 15.⁵

• Enroll by December 31 for coverage to start January 1.
• Enroll between January 1 and January 15 for coverage to begin February 1.

Note that the deadline to get a January 1 effective date in Maryland is December 31. This is different than most states, where deadline is December 15.⁵

Outside of open enrollment, you generally need a qualifying life event, such as losing coverage, getting married, or permanently moving, to enroll or make changes. This is known as a special enrollment period (SEP).

Note that Maryland is one of several states where pregnancy is considered a qualifying life event, giving a person 90 days from the date of the pregnancy confirmation to enroll in a health plan.⁶

Some people can sign up without a qualifying life event. For example:

• Native Americans can enroll year-round.
• People who utilize Maryland’s easy enrollment period can begin the process of obtaining health insurance by checking a box on their tax return.⁷

People who qualify for Medicaid, the Maryland Children’s Health Program (MCHP), or MCHP Premium can enroll anytime.⁵

There are three ways to enroll in an ACA Marketplace plan in Maryland:⁵

• Online: Go to MarylandHealthConnection.gov to create an account and apply. 
• Phone: Contact the Call Center at 855-645-8572. Those who are deaf and hard of hearing use the Relay service. Help is available in over 200 languages. 
• Talk to a broker: Get help from an authorized insurance broker through Broker Connect.⁸
• Mobile app: Apply from your phone by downloading the mobile app, Enroll MHC.

You can find affordable individual and family health plans in Maryland through MarylandHealthConnection.gov, the state’s ACA exchange.

More than seven out of ten eligible enrollees receive subsidies, saving about $382 monthly on their 2023 premiums.⁹ These subsidies are called Advance Premium Tax Credits (APTC). With subsidies, Maryland residents pay about $117 monthly on average in premiums.⁹

If your income is under 250% of the federal poverty level, you may qualify for cost-sharing reductions (CSR) to lower your deductibles and out-of-pocket costs.¹⁰

Thanks to a state-funded subsidy program, young adults aged 18 to 37 may qualify for additional help paying their monthly premiums. This assistance is in addition to the Advance Premium Tax Credit (APTC).¹¹

The young adult subsidy program was initially slated to be available in 2022 and 2023, but legislation (HB814 and SB601) enacted in 2023 made it permanent. And although it initially only applied to adults up to age 34, the state has extended the eligible age range up to 37.¹

Although Maryland does not have plan standardization, the exchange does offer “Value Plans,” which are plans that have lower out-of-pocket costs for certain frequently-used services.¹² And for 2024, Maryland Health Connection reports that changes have been made to the Value Plans “to make the costs for common health care services clearer and more consistent across insurance companies.”¹³

For Maryland residents who aren’t eligible for premium subsidies or Medicaid, short-term health insurance is a lower-cost coverage option, although Maryland limits short-term health plans to three-month durations.

For 2024, six insurance companies are offering coverage through the Maryland exchange, including one new insurer:¹⁴

The 2024 approved individual market rate increases in Maryland are as follows:¹⁵

Source: Maryland Insurance Administration¹⁶

Overall, the average rate change for 2024 amounts to a 4.7% increase, which is a little lower than the insurers initially requested.

Note that the average rate changes affect full-price premiums, and most enrollees don’t pay the full amount. Around 77% of the people who signed up for private plans through Maryland Health Connection in 2023 received financial assistance with their costs through premium subsidies.⁹ These subsidy amounts are adjusted annually to match the cost of the second-lowest-cost Silver plan. 

Maryland established a reinsurance program in 2019, and federal approval was granted in 2023 to extend this program for another five years. The reinsurance program has kept Maryland’s individual market premiums much lower than they would otherwise have been.¹⁷

If your premiums are increasing next year, you might want to consider other Maryland Health Connection plans that better fit your budget and offer the benefits you need. The entry to Aetna Health to Maryland’s Marketplace will give consumers additional coverage options, but it’s also important to understand how the entry of a new insurer can affect premium subsidies, depending on how the new plans are priced relative to existing plans.

Here’s a look at how overall average premiums have changed each year in Maryland:

• 2015: 1% increase¹⁸
• 2016: 20% increase¹⁹
• 2017: 25.2% increase²⁰
• 2018: 43.8% increase²¹ (after accounting for loss of federal CSR funding)
• 2019: 13% decrease²² (reinsurance took effect)
• 2020: 10.3% decrease²³
• 2021: 11.9% decrease²⁴
• 2022: 2.1% increase²⁵
• 2023: 6.6% increase²⁶

More than 182,000 people enrolled in private plans through Maryland’s Marketplace during the 2023 open enrollment period.⁹

This surge in enrollment was mainly due to the American Rescue Plan, which improved affordability starting in 2021. The Inflation Reduction Act extended these improvements until 2025, ensuring coverage remains more affordable in 2023 than before the ARP became law.

Source: 2014,²⁷ 2015,²⁸ 2016,²⁹ 2017,³⁰ 2018,³¹ 2019,³² 2020,³³ 2021,³⁴ 2022,³⁵ 2023⁹

Maryland Health Connection
This is the state’s official health insurance Marketplace, where residents can shop for and enroll in health coverage plans.

Maryland Department of Health
This department oversees various health-related programs in the state, including providing information and managing enrollment for Medicaid.

Maryland Health Education and Advocacy Unit
This unit offers education and support to help individuals understand and navigate their health insurance options, making informed decisions about their coverage.

Health Care Access Maryland
This organization ensures that Maryland residents can access quality healthcare services, assisting with enrollment, navigation, and resources.

Maryland Senior Health Insurance Program
Designed for older adults, this program offers valuable information and assistance related to Medicare.