The annual open enrollment period is November 1 to December 15 for health or dental plans. Coverage starts January 1.
However, you may enroll in health coverage year-round if you qualify for Medicaid, the Maryland Children's Health Program (MCHP) or MCHP Premium. Look up your income and household size to see if you may qualify.
You also may be able to buy a health plan outside of open enrollment if you’ve recently experienced a major life event or special circumstances like having a baby or losing other health coverage. Learn more here about whether you may qualify to buy a plan and how to enroll.
In most cases you have 60 days from the date of the qualifying event to enroll in a health insurance plan, change your plan (either metal tier, insurance company, or both), or add a newly eligible beneficiary to your current plan. It is important to report the qualifying event early so that you’ll have as much time as possible to enroll.
If you choose to enroll in a new plan through a special enrollment period, please note that you will not be able to carry over any expenses that may have gone toward your deductible or out-of-pocket maximum in your previous plan.
If you think you may qualify for a special enrollment period, you can update your application at MarylandHealthConnection.gov using the "Change My Information" button in your account, or call our Consumer Support Center at 1-855-642-8572 (Deaf and hard of hearing use Relay service). You should try to call us within 30 days of the event. A representative will ask you for information so we can figure out if you qualify for a special enrollment period. If you do, the representative will help you enroll in coverage.