The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70 percent, on average, you would

A tax credit that can reduce what you pay for health insurance. When you apply for coverage through Maryland Health Connection, you’ll estimate your household income to find out if

The 2010 Patient Protection and Affordable Care Act (ACA) requires states to establish and operate a health insurance exchange by 2014, or to participate in a federal exchange. Maryland opted

Maximum amount on which payment is based for covered health care services. This may be called “eligible expense,” “payment allowance" or "negotiated rate." If your provider charges more than the

The total income for a family in a calendar year. Use our calculator to determine your household income.

A cap on the benefits your insurance company will pay in a year while you’re enrolled in a particular health insurance plan. Caps are sometimes placed on particular services such

A request for your health insurance company or plan to review a decision or a grievance. Learn more here about Maryland Health Connection's appeals process.

A unique identification number. After you apply for coverage, you’ll get a notice with your eligibility results and Application ID. You'll need this to continue an existing application, compare plans,

An authorized representative is someone who you choose to act on your behalf with the Maryland Health Connection, like a family member or other trusted person. Some authorized representatives may

When a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if a doctor charges $100 and the allowed amount is $70, the