If you’re in the market for comprehensive health insurance in Maryland, we’ve got you covered. Individual and family insurance can be purchased through the Federal Health Insurance Marketplace, which Maryland operates through a separate website called The Maryland Health Connection.
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How to Buy Health Insurance in Maryland
If you don’t receive health insurance from the federal government or an employer, you can purchase a plan on the Maryland Health Connection. Insurance is broken down into four main metal tiers: Platinum, Bronze, Silver, and Gold. The monthly premiums become more expensive as you go to higher tiers, but more services are covered. For low-income residents, health insurance is issued through Medicaid.
How to Apply for Health Insurance in Maryland
Applying for health insurance is simple. Visit the Maryland Health Connection website and enter your data. This is the same portal you would use if you need and qualify for financial assistance to pay your premiums.
Health Insurance Carriers In Maryland
Maryland has three health insurance companies in the Maryland Health Insurance marketplace: CareFirst, UnitedHealthcare, and Kaiser Permanente.
Maryland Health Insurance Costs Overview
There are four metal tiers for health insurance in Maryland: Platinum, Bronze, Silver, and Gold. There are also new value plans, which offer lower out-of-pocket expenses but enhanced coverage on certain aspects. The below expenses apply to an average 40-year-old with no major health issues in 2022.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Maryland?
According to the KFF, the average benchmark premium in Maryland is $356.
What is the Cheapest Health Insurance Plan in Maryland?
The cheapest health insurance plan in Maryland is likely a Bronze plan. Consult The Maryland Health Connection for more information on what is available in your area.
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Cheapest Maryland Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
There are four kinds of health insurance plans available in Maryland. They go by metal tiers. There’s Platinum, Gold, Silver, and Bronze. The higher the level, the higher a percentage the insurance company pays on your applicable health expenses.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Maryland in 2025 was $335.
Silver Plans
The average lowest cost premium of a Silver Plan in Maryland in 2025 was $362.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $265.
Other Types of Maryland Health Insurance Coverage
Catastrophic Health Insurance in Maryland
A catastrophic health insurance plan in Maryland offers lower premiums than usual plans but is only available to people under thirty, or those with a hardship or affordability exemption from the Maryland Health Connection website.
Short Term Health Insurance in Maryland
Short-term health insurance is available in Maryland, but only for a maximum of three months. Also, be advised that short-term insurance plans are not required to meet the essential service minimums prescribed by Obamacare plans.
Low Income Health Insurance in Maryland
Low-income health insurance is available to eligible residents through the Maryland Medical Assistance Program, which can be applied for on the Maryland Health Connection online portal.
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