Health insurance for Marylanders who buy their own.
We help Marylanders who buy their own health coverage, from people leaving a job or COBRA to self-employed workers and early retirees waiting on Medicare. A licensed agent can compare Marketplace plans and state help with you at no cost.
Maryland plans we compare
What’s different about health insurance in Maryland.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Maryland FAQ- Maryland runs its own exchange, and open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027.
- Enhanced federal tax credits ended after 2025, but Maryland Premium Assistance replaces some or all of that help for incomes under 400% of poverty.
- Adults age 18 to 37 can get an extra state young adult subsidy on top of federal and state help.
- A state reinsurance program keeps full-price premiums roughly 30% to 35% lower than they would be without it.
- Maryland continuation law lets you keep insured group coverage for up to 18 months after leaving a job, even at small employers.
- Short-term plans are capped at three months with no renewals.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Maryland's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Maryland, and what to use instead.
Learn moreWho sells plans in Maryland
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Maryland FAQ, or ask an agent at (888) 214-4898.
Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Pick a plan by December 31 for coverage starting January 1. Plans picked in January generally start February 1.
Partly. Maryland Premium Assistance replaces all of the lost enhanced help for incomes under 200% of poverty and half of it from 250% to 400%, with a taper in between. People above 400% of poverty get no state or federal help.
Approved unsubsidized individual rates rose an average of 13.4% for 2026. For 2027, the state approved an average increase of 14.6%. What you actually pay depends on your income, age, area and any subsidies.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Maryland county, check your subsidy, and walk you through the options. No cost, no obligation.