Compare your Maryland coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Maryland residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Maryland is the first step toward a plan that fits.
Maryland runs its own state-based marketplace, Maryland Health Connection, where residents compare and enroll in individual and family plans. Private carrier options are also available.
Maryland has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment generally runs November 1 through January 15, and Maryland's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Maryland residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
When enhanced federal subsidies expired and ACA enrollment dropped nationwide, Maryland moved the opposite direction. A tax-return shortcut that connects uninsured residents to coverage, one of the country's largest state-funded premium subsidy programs, and a reinsurance backstop that has held down individual-market rates since 2019 combined to grow Maryland's 2026 enrollment even as HealthCare.gov states saw enrollment fall. Here's what the state's own numbers show.
On Maryland's state income tax Form 502 or 502B, filers can check a box giving the Comptroller permission to share their household size and income with Maryland Health Connection, the state's health insurance exchange. Uninsured filers who appear to qualify then receive a mailed notice giving them 35 days from the letter's date to enroll in a health plan. Source: Maryland Department of Commerce.
As of the state's January 2026 open-enrollment wrap-up, more than 177,000 Marylanders were receiving help through Maryland's Premium Assistance Program, the state-funded subsidy open to enrollees earning under 400% of the federal poverty level. Source: Office of the Governor of Maryland, press release, January 23, 2026.
Maryland enrolled 255,612 people in ACA health plans for 2026, up about 3% year-over-year, even as HealthCare.gov states saw enrollment fall 9.2% over the same open-enrollment period. Source: Office of the Governor of Maryland, press release, January 23, 2026; independently corroborated by ACA Signups' 2026 open-enrollment tracker.
Since 2019, Maryland's state reinsurance program has reimbursed insurers for their highest-cost enrollee claims, which helps hold down average premiums for everyone in the individual market. Under a CMS-approved amendment to Maryland's federal reinsurance waiver (approved January 2025), the program is projected to keep 2026 individual-market premiums roughly 34% lower than they would be without it. For 2026, the claim size at which reinsurance coverage begins (the 'attachment point') rises to $24,000, with an unchanged 80% coinsurance rate and $250,000 cap. Source: CMS 1332 State Innovation Waiver Amendment Fact Sheet for Maryland (Jan. 2025); 2026 parameters per the Maryland Health Benefit Exchange Board of Trustees.
We serve Maryland residents across Baltimore, Columbia, Germantown, Silver Spring, and Frederick and statewide.
Personal coverage for Maryland residents without an employer plan.
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Learn MoreMaryland's Easy Enrollment Health Insurance Program lets residents check a box on their state tax return (Form 502 or 502B) so the Comptroller can share their household size and income with Maryland Health Connection. If you appear to qualify for coverage, you'll get a mailed notice giving you 35 days from its date to enroll, and missing that window can mean waiting for the next open enrollment period. We help residents who receive this notice compare their real plan options, confirm what they qualify for under Maryland's Premium Assistance Program, and get enrolled before the deadline.
Maryland runs its own state-based marketplace, Maryland Health Connection, where residents compare and enroll in individual and family plans. Private carrier options are also available. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Maryland has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment generally runs November 1 through January 15, and Maryland's state-based marketplace sometimes extends this window. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Maryland individuals, families, self-employed professionals, and small business owners across Baltimore, Columbia, Germantown, Silver Spring, and Frederick and statewide, matching each situation to the right coverage.
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