Notice: Marylanders can enroll in 2020 and 2021 health plans through Dec. 15, 2020. The application is available daily 5 a.m.-1 a.m.

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Notice: Marylanders can enroll in 2020 and 2021 health plans through Dec. 15, 2020. The application is available daily 5 a.m.-1 a.m.

Choose a Plan

Choose a Plan

Choose a Plan

Choose a Plan

Choose a Plan

Maryland Health Connection offers private health plans from insurance companies you recognize. All plans offer essential health benefits and preventive care.

Essential health benefits:

  • Doctor visits
  • Hospitalization
  • Emergency care
  • Prescriptions
  • Mental and behavioral health care
  • Maternity and newborn care
  • Pediatric care
  • Preventive care (wellness visits, shots and screenings)

Things to consider when choosing a plan

Metal level

Insurance companies use metal levels to describe different types of plans. These are Bronze, Silver, Gold, and Platinum. Generally, the lower your monthly payment, the higher your out-of-pocket costs when you need medical services.

If you qualify for cost-sharing reductions (reduced out-of-pocket costs like deductibles and copays), you can access these savings only by choosing a Silver plan.

MHC Metal Level Chart

Catastrophic plans

A Catastrophic health plan offers lower premiums, but has higher out-of-pocket costs than other plans on the marketplace. They offer protection against very high bills if you’re seriously hurt or injured. These plans cover three visits to a primary care doctor per year at no cost. They also include free preventive benefits, like vaccines and screenings, even if you haven’t paid your deductible. Unlike other plans, if you enroll in a Catastrophic plan, you won’t be eligible for tax credits that may lower your premium costs or for other savings.

People under 30 may buy catastrophic coverage.

If you’re 30 or older and want to enroll in a Catastrophic plan, you must apply for an exemption to show that other coverage options are unaffordable.

Marketplace coverage is considered unaffordable if the lowest cost Bronze-level plan available to you through Maryland Health Connection in the tax year is more than 8.2430% of your household income for plan year 2020 or 8.27% of your household income in plan year 2021. The cost to you must include any tax credits you would qualify for if you enrolled in that plan.

Network/plan types

Some plans allow you to see almost any doctor or use any health care facility; others limit your choices to a network of doctors and facilities, or require you to pay more if you use providers outside the network.

You can choose from plan types called Health Maintenance Organization, Preferred Provider Organization, Point of Service, Exclusive Provider Organization, Integrated Delivery System, Health Savings Account-Eligible, and Value Plan.

Understand how much your plan will cost

After you enroll in a plan, you’ll receive a monthly bill that you have to pay on time to stay covered. When you use medical services, you may have to pay other costs:

  • Deductible – the amount you owe for covered health care services before your health insurance or plan begins to pay.
  • Coinsurance – your share of the costs of a covered health care service, calculated as a percentage of the allowed amount for the service. For example, you may pay a coinsurance of 20 percent of the cost for a medical test. Your plan pays for the rest.
  • Copayment – a fixed amount you pay (for example, $15) for a covered service, such as a doctor visit when you are sick.

MHC Deductible Chart

Find a doctor in your plan

You will pay the lowest costs for services when you see a doctor or provider in your plan’s network.

Call your doctor’s office to ask if they accept your insurance, check with your insurance company, or use our search tool.

Search for a doctor

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