ACA Marketplace plans in Maryland

Looking for ACA marketplace health insurance in Maryland? Here is how this coverage lane works specifically for Maryland residents, what it costs, and how to get it.

Maryland residents buy ACA Marketplace plans through Maryland Health Connection. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.

Because Maryland runs a state-based marketplace, you enroll at Maryland Health Connection. Plans and prices are set at the county level across Maryland's 24 counties, so two neighbors in different counties can see different options.

Maryland expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.

Maryland runs a state-based marketplace (Maryland Health Connection). Residents should enroll through Maryland Health Connection, and plan menus are set at the county level across 24 counties.

Because Maryland expanded Medicaid, a marketplace application may route lower-income adults to Medicaid instead of a subsidized private plan — that is usually good news for cost.

With an approximate uninsured rate near 6.0% and a population of about 6.2 million, Maryland shoppers should re-check subsidies each year as income and household size change.

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Frequently asked questions

When is Open Enrollment in Maryland?
Maryland follows Marketplace Open Enrollment in late fall for coverage starting January 1; Maryland Health Connection may set slightly different dates. A qualifying life event opens a Special Enrollment Period any time of year.
Are Maryland Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in Maryland?
Maryland uses Maryland Health Connection, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.

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