Paige Cerulli Last Updated On: August 28, 2023

Find Affordable Health Insurance in Maryland

Health insurance gives you the peace of mind of knowing that you can get the healthcare you need, when you need it, without worrying about finances. But finding the right health insurance in Maryland can be a challenge, especially if you’re new to buying health insurance.

We’ve highlighted the essential information you need to be able to find the health insurance policy that’s best for your needs, and that’s within your budget.

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Table of Contents

The Average Cost of Health Insurance in Maryland

The average cost of health insurance in Maryland varies depending on the plan level you choose. In Maryland, you can select from Bronze, Silver, Gold, and Platinum plans. Bronze plans are some of the most affordable, but they tend to have higher deductibles, so they’re often a good choice if you only plan on needing occasional healthcare. At the other end, Gold plans have higher premiums but lower deductibles, so you might want to consider them if you’ll have significant or frequent healthcare needs.

 Average Premium for Health Insurance in Maryland
Most Affordable Bronze Plan$242
Most Affordable Silver Plan$334
Most Affordable Gold Plan$323

The costs of health insurance in Maryland vary depending on other factors, too, like your age, health status, location, and the number of dependents on your plan.

An employer-sponsored plan may offer a lower premium. Maryland employer-sponsored health insurance plans cost an average of $1,659 per year, after employer contributions.

Since plan costs vary so much, getting a personalized health insurance quote will give you the most accurate idea of what you’ll pay for insurance. To get started, get a free health insurance quote from ConsumerCoverage today.

Types of Maryland Health Insurance Plans

The type of plan that you choose will affect your premiums, too. We’ve included some basics on the most common types of health insurance in Maryland:

  • Health Maintenance Organization (HMO) plans have low premiums and deductibles, but you will need to have a primary care physician and receive in-network care for it to be covered.
  • Preferred Provider Organization (PPO) plans offer more flexibility, letting you receive out-of-network care. You aren’t required to have a primary care physician, but a PPO plan usually has premiums and deductibles that are higher than those of a HMO plan.
  • Exclusive Provider Organization (EPO) plans carry lower premiums and deductibles, but only in-network care is covered. When you have an EPO, you aren’t required to have a primary care.

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Cheap Health Insurance in Maryland

Low-income individuals and families may be eligible for several types of cheap health insurance in Maryland.

Maryland Medicaid

The Maryland Medicaid program helps to cover healthcare costs for low- or very-low-income individuals and families. Individuals can make no more than $18,075 per year, and households of three people cannot make more than $30,630 per year. Asset and resource limits may also apply for situations like using Medicaid for nursing home care.

Maryland Children’s Health Program (MCHP)

The MCHP offers healthcare, including hospitalizations, lab work, dental and vision care, and more for uninsured children up to age 19:

  • Children’s adjusted family income must be at or below 211% of the federal poverty level
  • Pregnant women may also qualify if they meet income guidelines

Maryland Medicare

Medicare is also available for those over 65 and for those with a qualifying disability. Different types of Medicare offer different coverages, including hospitalization, home care, and prescription drug coverage.

How to Get Health Insurance in Maryland

As you shop for health insurance in Maryland, consider the type and level of healthcare coverage that you need. Taking time to shop around and compare quotes can help you to find the insurance coverage at the best price. You can get a free, fast quote from ConsumerCoverage today to start shopping.

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