Find Affordable Coverage in Maryland
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Maryland ACA Marketplace Overview
In 2026, approximately 165,000 Maryland residents are enrolled in ACA Marketplace coverage. Maryland uses its own state-run exchange for health insurance enrollment.
Maryland has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Maryland?
The benchmark Silver plan (second-lowest-cost Silver plan) in Maryland costs approximately $378/month before subsidies in 2026. However, most Maryland residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Maryland households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Maryland household income.
Top ACA Health Insurance Companies in Maryland
The following carriers offer ACA Marketplace plans in Maryland for 2026:
- CareFirst BlueCross
- Kaiser Permanente
- UnitedHealthcare
Plan availability varies by county in Maryland. Use Maryland Health Connection to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Maryland
- Bronze: Lowest premiums, highest deductibles. Best for healthy Maryland residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Maryland households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Maryland residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Maryland counties.
When to Enroll in Maryland
- Open Enrollment: November 1 – January 15 on Maryland Health Connection
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Maryland Insurance Resources
- Maryland Health Connection — Official Maryland enrollment portal
- Maryland Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit