Maryland's Official Health Insurance Marketplace

Why do I need health insurance coverage?

Under the Affordable Care Act, the individual shared responsibility provision calls for each individual to have minimum essential health coverage (known as “minimum essential coverage”) for each month, qualify for an exemption, or make a payment when filing his or her federal income tax return.

To be considered enrolled in “health coverage” under the Affordable Care Act, the individual must be enrolled in minimum essential coverage, which includes Medicaid, Maryland Children’s Health Program (MCHP), MCHP Premium, employer-sponsored coverage, Medicare, a health plan through Maryland Health Connection or a health plan through the individual or small group markets.

Depending on your income, you may qualify for a premium tax credit and cost-sharing reduction to make coverage more affordable. You may also qualify for Medicaid, MCHP, or MCHP Premium.

Learn more about the tax penalty, exemptions and what qualifies as minimum essential coverage.