Maryland Health Connection Overview

What is Maryland Health Connection?

Maryland Health Connection is for all Marylanders who need health insurance. It is Maryland’s official health insurance marketplace where you can shop, compare and enroll in quality health and dental insurance that fits your needs and your budget.

What makes coverage through Maryland Health Connection more affordable?

Maryland Health Connection is the only place you can get financial help to lower the cost of health insurance. Nine in 10 Marylanders who enrolled last year qualified for financial help. Depending on your income and family size, you may qualify for tax credits that lower your monthly premium and for lower out-of-pocket costs like deductibles and copays. Or, you may qualify for free or low-cost coverage through Medicaid or Maryland Children’s Health Program.

Check out the chart below to see what you might qualify for. If you’re pregnant or you have children, you may still qualify even if your income is higher.

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Am I required to have health insurance?

By law, most adults must have health insurance or pay a fine when they file their taxes.

If you have coverage through your employer, Medicaid or Medicare, you meet the insurance requirement. Some people are exempt and don’t have to pay a penalty for not having coverage, such as being unable to afford coverage or having a religious objection. Learn more at MarylandHealthConnection.gov/get-answers/exemptions-from-requirement-to-have-coverage.

When can I sign up?

Marylanders can sign up for private plans through Maryland Health Connection during the annual Open Enrollment period each fall, for coverage that starts January 1. You also can buy a plan or change plans throughout the year if you’ve experienced certain changes such as getting married, having a baby or losing other health coverage. For more information about Special Enrollment visit MarylandHealthConnection.gov/getting-coverage-outside-open-enrollment.

Enrollment for Medicaid and MCHP is open year-round and coverage starts right away.

Does Maryland Health Connection offer the same plans every year?

Plans and prices change from year to year, so even if you have looked before, it’s important to come back and check out your options.

If you are already enrolled in a plan through Maryland Health Connection, come back and shop each year to be sure you have the right plan for you and your family. It’s also important to update information about your income and family, so you receive the right amount of financial help with your plan.

How do I know that this is quality health coverage?

The insurance plans offered through Maryland Health Connection are the same high-quality health plans you’re familiar with, from insurance companies including CareFirst, Cigna and Kaiser Permanente. All health plans are approved by the State of Maryland and are rated by quality when you shop at MarylandHealthConnection.gov. They cover doctor visits, hospitalization, emergency care, maternity care, pediatric care, prescriptions, medical tests, mental health care, substance abuse treatment and more.

Plans also must cover preventive care at no cost to you (even if you haven’t met your annual deductible), including flu and pneumonia shots, birth control, routine vaccinations and cancer screenings such as mammograms and colonoscopies.

If I have an illness or disability, can I still get health insurance?

Yes. By law, under the Affordable Care Act, you cannot be turned down for health coverage or charged more just because you have a pre-existing health condition.

How do I sign up?

  1. Enroll online at MarylandHealthConnection.gov.
  2. Call 1-855-642-8572 (Deaf and hard of hearing use Relay service)
  3. Find free in-person help from trained experts in your community at MarylandHealthConnection.gov/help.

About Maryland Health Connection

Maryland Health Connection is Maryland’s official health insurance marketplace for individuals and families to compare plans and enroll in health and dental coverage. It’s the only place to get financial help with health insurance. See if you qualify for financial help like tax credits or Medicaid/MCHP to make health insurance more affordable.

Visit MarylandHealthConnection.gov to enroll, or download our free Enroll MHC mobile app for Android and iPhone.

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