Key Facts for Maryland
Maryland Health Connection
Maryland operates its own state-based health insurance marketplace called Maryland Health Connection. This comprehensive portal allows Maryland residents to apply for Medicaid, shop for private health insurance with subsidies, and access other state health programs.
In addition to federal premium tax credits, Maryland offers state-funded subsidies that can further reduce the cost of health insurance for qualifying residents. This makes coverage more affordable for more Marylanders.
What Can You Do Through Maryland Health Connection?
- Apply for Maryland Medicaid
- Shop for private health insurance plans (Individual and Family)
- Access federal premium tax credits
- Apply for Maryland state subsidies
- Enroll in dental and vision coverage
- Find in-person assistance and brokers
- Report life changes and update your coverage
Medicaid in Maryland
Maryland expanded Medicaid in 2014 under the Affordable Care Act. Maryland Medicaid provides comprehensive health coverage to eligible residents through the state's HealthChoice managed care program.
Who Qualifies for Maryland Medicaid?
- Adults ages 19-64: Up to 138% FPL (about $20,120/year for an individual)
- Children: Up to 322% FPL through Maryland Children's Health Program (MCHP)
- Pregnant women: Up to 264% FPL
- Elderly and disabled: Based on SSI eligibility and income/asset limits
- Parents/Caretakers: Based on household income up to 138% FPL
Maryland HealthChoice (Medicaid Managed Care)
Most Maryland Medicaid recipients receive coverage through HealthChoice, the state's managed care program. You can choose from several managed care organizations (MCOs):
- Aetna Better Health of Maryland
- CareFirst Community Health Plan Maryland
- Jai Medical Systems
- Kaiser Permanente
- Maryland Physicians Care
- MedStar Family Choice
- Priority Partners
- UnitedHealthcare Community Plan
How to Apply for Maryland Medicaid
- Online: Visit Maryland Health Connection
- Phone: Call 1-855-642-8572
- In Person: Visit your local Department of Social Services office
- Enrollment Assister: Find a certified navigator or broker to help
Marketplace Coverage
Maryland Health Connection offers a variety of private health insurance plans from multiple insurers. Plans are categorized by metal tier (Bronze, Silver, Gold, Platinum) based on how costs are shared between you and the insurance company.
November 1, 2024 through January 15, 2025. Enroll by December 15 for coverage starting January 1, 2025. Medicaid applications are accepted year-round.
How to Enroll Through Maryland Health Connection
- Visit marylandhealthconnection.gov
- Create an account or log in
- Complete your application with income and household information
- The system will determine your eligibility for Medicaid, MCHP, or marketplace subsidies
- If eligible for marketplace coverage, compare plans from multiple insurers
- Select a plan and complete enrollment
Maryland Young Adult Subsidy Program
Maryland offers additional state subsidies specifically for young adults ages 18-34 who don't qualify for Medicaid but need help affording coverage. This program helps reduce premiums for this age group.
Special Enrollment Periods
You can enroll outside of Open Enrollment if you experience a qualifying life event such as losing other coverage, getting married, having a baby, or moving to Maryland.
Average Costs in Maryland
Maryland has multiple insurers competing in the marketplace, which helps keep prices competitive:
- Benchmark Silver Plan: Average of $400-550/month before subsidies for a 40-year-old
- With Premium Tax Credits: Many Marylanders pay $50-150/month after subsidies
- With State Subsidies: Additional savings available for qualifying residents
- Medicaid: Free or very low cost for eligible individuals
- Bronze Plans: Lower premiums, higher deductibles
- Gold/Platinum Plans: Higher premiums, lower out-of-pocket costs
Maryland residents may qualify for both federal premium tax credits and state subsidies, making coverage even more affordable. The Maryland Health Connection application will determine all subsidies you're eligible for.
Frequently Asked Questions
What is Maryland Health Connection?
Maryland Health Connection is Maryland's state-based health insurance marketplace. Through this portal, Maryland residents can apply for Medicaid, shop for private health insurance plans with potential subsidies, and compare coverage options. It's the official place for Marylanders to find affordable health coverage.
Has Maryland expanded Medicaid?
Yes, Maryland expanded Medicaid in 2014 under the Affordable Care Act. Adults ages 19-64 earning up to 138% of the Federal Poverty Level can qualify for Maryland Medicaid. Maryland also offers additional state programs for higher-income residents.
When is Open Enrollment for Maryland health insurance?
Maryland Health Connection's Open Enrollment for 2025 coverage runs from November 1, 2024 through January 15, 2025. Medicaid applications can be submitted year-round.
How do I apply for Maryland Medicaid?
You can apply through Maryland Health Connection at marylandhealthconnection.gov, by phone at 1-855-642-8572, or in person at your local Department of Social Services office or a certified enrollment assister.
Need Help Finding Coverage in Maryland?
Whether you qualify for Medicaid or need marketplace coverage through Maryland Health Connection, our licensed agents can help you find the right plan.
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