Maryland ACA health insurance plans for 2026.
Maryland runs its own state-based Marketplace, Maryland Health Connection, separate from HealthCare.gov. We compare every on-exchange carrier in your county — CareFirst BCBS, Kaiser Permanente, UnitedHealthcare, Wellpoint — and check your doctor's network before you enroll.
Maryland's ACA Marketplace
Maryland runs its own state-based Marketplace, Maryland Health Connection, separate from HealthCare.gov.
Most Marylanders qualify for federal premium tax credits, plus Maryland's Easy Enrollment Health Insurance Program automatically connects uninsured tax filers to coverage.
2026 Maryland Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Maryland on-exchange carriers include: CareFirst BCBS, Kaiser Permanente, UnitedHealthcare, Wellpoint.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Maryland
Maryland expanded Medicaid under the ACA. Adults under 138% FPL generally qualify — no Maryland coverage gap.
Maryland ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Maryland counties we cover
All 23 Maryland counties + Baltimore City.
Ready to enroll in Maryland ACA coverage?
Free, no pressure. Licensed in Maryland and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.