ACA Health Insurance Plans in Maryland

Maryland residents shop for ACA health insurance through Maryland Health Connection at marylandhealthconnection.gov. Maryland has its own state-based marketplace — you cannot enroll through HealthCare.gov if you live in Maryland.

What Plans Are Available in Maryland

Maryland marketplace plans are organized into four metal tiers:

• Bronze: Lowest monthly premium, highest out-of-pocket costs. Best for healthy individuals who rarely use medical care.
• Silver: Mid-range premium with access to cost-sharing reductions for qualifying income levels. Often the best value for Maryland residents who qualify for subsidies.
• Gold: Higher premium, lower out-of-pocket costs. Best for people with regular medical needs.
• Catastrophic: Available to adults under 30 or those with hardship exemptions.

Maryland's Reinsurance Program

Maryland operates a state reinsurance program that stabilizes the individual market and keeps premiums more competitive than in many other states. This directly benefits Maryland residents shopping on Maryland Health Connection.

Key Carriers in Maryland

CareFirst BlueCross BlueShield is the dominant carrier in Maryland's individual market. Kaiser Permanente, UnitedHealthcare, and others also participate depending on the region. Availability varies by county.

Financial Help Available

Depending on your household income, you may qualify for premium tax credits or cost-sharing reductions through Maryland Health Connection. BenZen compares Maryland plans at no cost. See your Maryland options.