Health Insurance in Maryland
Maryland runs its own marketplace, Maryland Health Connection, rather than routing residents through HealthCare.gov. Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027, with a December 15 deadline for coverage starting January 1.
Maryland has among the highest household incomes in the country, which creates a specific problem after the ACA’s enhanced premium tax credits expired at the end of 2025: higher-earning Maryland households were disproportionately helped by those enhanced credits, because the old subsidy structure cut off eligibility entirely above 400% of the federal poverty level. With enhanced credits gone, many Maryland families who were receiving meaningful assistance in 2025 now receive none — and are seeing the full unsubsidized premium for the first time.
That makes a private PPO comparison genuinely worth running in Maryland this year. When marketplace subsidies drop out, private health-based plans frequently price better for healthy applicants than the unsubsidized marketplace rate, since they’re rated on health and age rather than being community-rated.
I’m licensed in Maryland and can compare both sides for your household.