ACA Health Insurance > Break Down > Health Insurance in Maryland
Health Insurance Maryland | Your Friendly Guide to Affordable Coverage
From Baltimore to Annapolis—We’ve Got Maryland Covered
Hey there, Maryland neighbor! Thinking about health insurance and feeling unsure where to start? You’re in the right place. Whether you're looking for your first plan or switching to something better, this guide will help you navigate health insurance in Maryland with ease. No confusing lingo—just clear, friendly info that makes sense.
Why Should You Buy Health Insurance in Maryland?
Health issues can pop up fast—and so can the bills. Health insurance helps you stay ahead of costs while giving you access to the care you need to stay healthy.
Why it matters in Maryland:
Roughly 6% of Marylanders under 65 are uninsured—better than average, but still thousands without coverage.
Healthcare costs in Maryland are rising, especially in urban centers like Baltimore.
ACA plans cover preventive services like screenings, vaccines, and annual checkups at no cost to you.
Even if you're in great health, insurance helps you catch issues early and protect your finances when life takes an unexpected turn.
Types of Health Insurance Available in Maryland
Marketplace Plans (ACA via Maryland Health Connection)
Maryland runs its own state-based exchange, Maryland Health Connection, where you can compare ACA plans and apply for premium tax credits.
Short-Term Insurance
Short-term plans are available with limited benefits and are only meant to bridge short gaps in coverage.
Medicare
If you’re 65 or older (or have certain disabilities), Medicare covers hospital, outpatient, and prescription care—with optional add-ons for fuller protection.
Medicaid (Maryland Medicaid & MCHP)
Maryland’s Medicaid programs—including MCHP for children—provide free or low-cost coverage to eligible individuals and families.
Private Insurance
Many Maryland residents get health insurance through employers or buy directly from insurance carriers. We help compare all available options.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Maryland?
There’s no individual mandate in Maryland, meaning the state won’t fine you for not having health insurance. But skipping coverage can still cost you big.
Without a plan, you might face steep out-of-pocket costs for even routine care—and you’d miss out on valuable preventive services.
So while insurance isn’t required, it’s still the smartest way to protect your health and avoid surprise medical bills in the long run.
How Much Does Health Insurance Cost in Maryland?
Your monthly premium depends on your age, location, income, and household size. Most Marylanders qualify for premium tax credits that lower their monthly cost through Maryland Health Connection.
Some plans cost $0/month after subsidies. Many others land under $75/month, depending on your eligibility. Even if you think you earn too much—check. You might be surprised.
If you’re on Medicare, costs will vary depending on whether you stick with Original Medicare or choose a Medicare Advantage or supplement plan.
💡 This is a great place to include a cost calculator for Maryland residents.
How to Pick the Right Health Plan for You
To find the right fit, ask yourself:
How often do I see a doctor?
Do I take regular medications?
Do I want to keep my current doctor or clinic?
What’s my monthly and annual budget?
Some Marylanders prefer lower premiums and higher deductibles. Others want more comprehensive coverage with fixed out-of-pocket costs.
Not sure? Our local agents can help you weigh your options and make the best decision for your lifestyle and budget.
Our Health Insurance Services in Maryland
Health insurance doesn’t have to be confusing. Our Maryland-based team is here to help you every step of the way—with no pressure, just clarity.
Who We Help
We assist:
Young adults turning 26
Self-employed freelancers and entrepreneurs
Seniors preparing for Medicare
Families balancing care and cost
Anyone looking for clear, honest answers
What We Offer
We help with:
Maryland Health Connection plans
Private insurance comparisons
Medicare and Medicaid enrollment
Dual-eligible and special needs plans
Dental, vision, and prescription discount programs
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Chat with an agent (optional).
Enroll online or by phone.
That’s it—you’re covered.
Most Affordable Health Insurance in Maryland
Here are three popular ACA-compliant carriers offering affordable coverage in Maryland:
Kaiser Permanente of the Mid-Atlantic – Offers competitive pricing and strong preventive care.
CareFirst BlueCross BlueShield – Widely accepted with customizable plan options.
UnitedHealthcare Maryland – Great for tech-savvy members and virtual care users.
We help you compare all carriers side-by-side—so you get the best value and benefits for your situation.
Top 3 Most Uninsured Cities in Maryland
While Maryland’s uninsured rate is relatively low, some areas still face gaps in coverage:
Baltimore, MD – High costs of living and part-time employment contribute to coverage gaps.
Hagerstown, MD – Economic limitations and rural barriers leave many without insurance.
Salisbury, MD – Many residents lack access to employer-sponsored plans or don't qualify for Medicaid.
Wherever you live in Maryland, we’re here to help you get covered—and stay covered.
Final Tip from Your Friendly Guide
Don’t wait until something happens to get protected. Health insurance gives you access to care, financial peace of mind, and support when you need it most.
Ready to explore plans or just have a few questions? Our Maryland team is here to help. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!