Maryland
health insurance plans

Compare individual and family health plans from top insurance companies at the lowest available cost.

Health benefits your employees will love

Maryland
health insurance plans

Compare individual and family health plans from top insurance companies at the lowest available cost.

Need health insurance in Maryland?
eHealth makes shopping easy.

Navigating Maryland health insurance plans

Finding the right health insurance plan in Maryland can be overwhelming. Whether you’re an individual looking for comprehensive coverage or a family seeking a plan to fit everyone’s needs, it’s important to consider factors such as:

Coverage needs

Evaluate what types of medical services you or your family use most frequently. Do you need regular doctor visits, specialist care, or prescription medications?

Budget

Look at both premiums and out-of-pocket costs. Sometimes a plan with a higher premium may save you money overall if you frequently use healthcare services.

Provider network

Ensure your preferred doctors and hospitals are included in the plan’s network to avoid higher out-of-network costs.

Additional benefits

Some plans offer extra perks, like wellness programs, telemedicine, or mental health services, which could be valuable to you or your family’s overall health.

Find health insurance plans for every stage of life

Health insurance

Health insurance exists to protect you from substantial medical costs. Each plan is an agreement between you and the health insurance company about the services they will cover, how much you will pay, and how much they will pay.

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Dental and vision insurance

Can cover everything from routine cleanings and fillings to more comprehensive procedures, usually at a low premium. May cover annual eye exams and/or reduce the cost of contact lenses or glasses.

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Short-term insurance

Designed to provide limited health coverage on a temporary basis, at affordable prices. Easy and quick to enroll in.

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Medicare insurance

Shop plans that can reduce costs associated with Part A and Part B Medicare, and cover doctors and prescriptions.

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Types of individual health insurance plans

Costs to expect from your health insurance plan

When you buy an insurance policy, you will pay a premium payment monthly or annually. In exchange for that premium, your insurance provider agrees to cover a portion of your healthcare bills as outlined in your plan policy. You are still responsible for some costs, like deductibles and copays. Here are descriptions of those costs and what you should expect.

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Frequently asked questions

Maryland residents can expect to pay an average of $355.94 per person for an individual health insurance plan. This is the average monthly premium price of a plan available from eHealth in Maryland, but actual prices available depend on zip code, age, gender, plan metal level, and other factors. Get a personalized quote to see what may be available for you.
Maryland defers to the federal Affordable Care Act (ACA), which no longer requires individuals nationwide to have health insurance that meets a minimum standard of coverage. Maryland does not have separate state-specific health care laws outside of the ACA.
Maryland residents can purchase health insurance during open enrollment through a number of private providers or via the Maryland Health Connection. Maryland residents can also go through licensed health insurance brokers like eHealth. If you’ve missed open enrollment and don’t qualify for a special enrollment period, you can also get coverage through a short-term plan.
The best health insurance in Maryland depends on your needs. For instance, you can find group and individual health insurance in Maryland. Maryland residents can find affordable coverage through the Maryland Health Connection, compare plans, find out if they qualify for subsidies, and enroll online.

There are many different types of plans, all of which are tiered — bronze, silver, gold, and platinum. With bronze plans, you’ll get the lowest monthly premium and highest costs when you need health care. On the other hand, platinum plans have the highest monthly premiums and most affordable health care costs.

You can also compare PPOs and HMOs. HMOs tend to have lower monthly premiums and lower out-of-pocket costs, but you’ll have to choose a primary care provider and get referrals for specialty care. PPOs have higher monthly premiums but the flexibility to use providers in and out-of-network, which can improve access to quality care.
Maryland has its own health insurance marketplace by the name of Maryland Health Connection. With this platform, you can browse through a variety of individual and family health insurance options. These plans are categorized into tiers, which allow you to easily differentiate between them.
There are two time periods where you can enroll in health insurance in Maryland. The first is during open enrollment, which usually starts on November 1 and ends on January 15. The second is if you have a qualifying event, like getting married, losing a job, or moving to a new service area. You can read more about qualifying life events here: https://www.ehealthinsurance.com/resources/individual-and-family/qualifying-life-events-will-trigger-special-enrollment-period.
There are several subsidies and cost-saving opportunities available to reduce your monthly Maryland state health insurance premiums. Subsidy eligibility on the federal level can be determined using Healthcare.gov, the federal health insurance marketplace.

However, Maryland also operates its own state-run health insurance marketplace called the Maryland Health Connection. Here, you can find cost-sharing reduction subsidies that reduce the amount of health care expenses you pay.

Maryland residents with lower incomes may also qualify for tax credits and cost-sharing reductions to help them afford out-of-pocket costs, including copayments and coinsurance.
Maryland expanded Medicaid expansion coverage in 2013 under the Affordable Care Act, giving individuals with low income and disabilities a chance to qualify for low- or no-cost Maryland health insurance. Medicaid in Maryland is both a federal and state program, with the state determining eligibility and operating the program. With Medicaid health insurance in Maryland, the state pays 10% of the cost of expansion.

In addition, the Maryland Department of Health recently announced expanded Medicaid coverage for new mothers, offering postpartum coverage that lasts for 12 months.

Currently, the income limit for individuals is $14,580 and $30,000 for a family of four.
There are many available health insurance resources for Maryland residents, including the following:

Maryland Department of Health: A site to learn more about Maryland’s Medicaid program.
Maryland Health Connection: The state’s health insurance marketplace where you can find out if you qualify for subsidies and enroll in a plan.
Health Care Access Maryland: A non-profit that connects Maryland residents to public health care coverage.
Maryland residents can claim tax credits for health insurance on their tax returns. For instance, the Earned Income Tax Credit allows low to moderate-income individuals to claim it on their federal tax returns to reduce their burdens.

This tax credit depends on the annual income thresholds, which change yearly. If you’re unsure if you qualify, contact the Comptroller of Maryland or the Internal Revenue Service for more information.

Seniors and teachers may also qualify for tax credits. Additionally, retired public safety officers may be eligible to deduct up to a certain amount of health insurance premiums from their monthly retirement checks.

You can learn more about possible premium deductions by working with a qualified tax preparer or accountant.

Marylandhealth insurance plans

Marylandhealth insurance plans

Need health insurance in Maryland?eHealth makes shopping easy.

Navigating Maryland health insurance plans

Coverage needs

Budget

Provider network

Additional benefits

Find health insurance plans for every stage of life

Health insurance

Dental and vision insurance

Short-term insurance

Medicare insurance

Types of individual health insurance plans​

Costs to expect from your health insurance plan

Our insurance agents are licensed in Maryland

Fill out the form to get your free quote and connect with an agent today.

Frequently asked questions

Learn more about health insurance in Maryland

Maryland
health insurance plans

Maryland
health insurance plans

Need health insurance in Maryland?
eHealth makes shopping easy.

Types of individual health insurance plans