Maryland ACA Marketplace at a glance
| Maryland | |
|---|---|
| Marketplace | Maryland Health Connection (run by the state) |
| Open enrollment (2027 coverage) | November 1, 2026 to January 15, 2027 — source |
| Medicaid expansion | Yes — details |
| State help with premiums or costs | The Maryland Premium Assistance Program gives eligible residents state help lowering monthly Marketplace premiums. (source) |
| Enhanced federal tax credits | The enhanced federal premium tax credits expired at the end of 2025 and have not been extended. (KFF, October 2026) |
Facts verified from the sources linked above as of October 2026. Dates and rules can change; confirm on the official Marketplace site before you act.
Help with the cost of coverage in Maryland
Premium tax credits lower your monthly Marketplace premium based on your household income and the cost of local plans. The enhanced federal credits that applied through 2025 have expired, so many households pay more than before. To know your number, run it with your real income. Our subsidy guide explains what happens if your income changes during the year.
Medicaid in Maryland
Maryland has expanded Medicaid. As of February 2026, a single adult with monthly income up to about $1,835 may qualify, and a household of four up to about $3,795. Whether you qualify depends on your household and income, so we check Medicaid and Marketplace eligibility together before you pick a plan.
Plan choices and networks in Maryland
Marketplace plans come in bronze, silver, gold and platinum levels, and networks differ by insurer and by where you live. Compare the metal tiers, check that your doctors and hospitals are in network, and look at the deductible and out-of-pocket maximum, not just the premium.
Business owners and self-employed in Maryland
If you run a business, you may have better options than the individual Marketplace. See ICHRA (an employer allowance for employees’ individual plans), group health and SHOP, and self-employed health insurance.
ACA help by county in Maryland
Marketplace plans and prices are set by area, so they can differ across Maryland. Here are the 10 largest counties. See all of them in our Maryland directory.
- Montgomery County
- Baltimore County
- Prince George's County
- Anne Arundel County
- Baltimore City
- Howard County
- Harford County
- Frederick County
- Carroll County
- Washington County
Official Maryland resources
- Maryland Health Connection: the official Maryland Marketplace for 2027 coverage.
- HealthCare.gov: federal Marketplace information.
- Maryland Medicaid: eligibility and how to apply.
- Maryland Insurance Administration: Maryland’s insurance regulator, including agent license lookup.
Helpful guides
- ACA open enrollment deadline: can I sign up late?
- Can I keep my ACA subsidy if my income changes?
- Bronze vs. silver vs. gold ACA plans
- HMO vs. PPO vs. EPO
- Deductible vs. out-of-pocket maximum
- How much does health insurance cost without a job?
Let’s check your Maryland options together
We run your income through the subsidy rules and compare plans for your doctors. No cost, no pressure.
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