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Individuals and Families

Individuals and Families

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.

Nine in 10 Marylanders who enrolled last year qualified for financial help through us to lower their health insurance costs.


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What kind of health insurance can I get?

You can qualify for financial help to lower the cost of a private plan (called a Qualified Health Plan), or get free or low-cost health coverage through Medicaid or the Maryland Children’s Health Program (MCHP).

Find out what you may qualify for

Our health insurance carriers include:

Individual and Family Plan Logos | Carefirst, Cigna, Evergreen Health, Kaiser Permanente

See what plans cover

Calendar

When can I sign up?

Open Enrollment for 2017 plans is November 1 to January 31. Be sure to enroll by December 15 if you want coverage starting January 1.

You can enroll at any time if you're eligible for Medicaid or MCHP, or if you've had certain major life changes or special circumstances.

Get Started

Tooth

Can I buy a dental plan?

When you apply through Maryland Health Connection, you will be able to buy a dental-only plan or enroll in dental at the same time you buy a health plan.

Health plans are required to offer pediatric dental, so your children are covered.

Our dental insurance carriers include:

Alpha Dental Carefirst Delta Dental
DentaQuest Dentegra Dominion DDS Dental

Learn about dental plans

Frequently Asked Questions

Maryland Health Connection is open to all legal residents of Maryland. In general, to obtain health coverage through Maryland Health Connection, you must live in Maryland and be a U.S. citizen or be lawfully present. To enroll in a QHP, you cannot currently be incarcerated, except if you are incarcerated pending disposition.

Maryland Health Connection is for you if:

  • You need health coverage
  • You need health coverage and you’re interested in finding out whether you are eligible for help with paying for your coverage through Medicaid, Maryland Children’s Health Program or through a QHP
  • Your employer doesn’t insure you or doesn’t offer affordable coverage. Employer coverage is considered affordable if the employee’s share of the annual premium for self-only coverage is no greater than 9.66% of annual household income.
  • The coverage offered by your employer doesn’t meet some basic standards, known as providing “minimum value.” Employer coverage provides “minimum value” if it covers 60 percent of health care costs on average. Your employer should be able to tell you if your plan meets this standard.
  • You’re self-employed
  • You’ve been denied insurance due to a pre-existing condition
  • You’re insured but looking for cost savings
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15 people found this faq useful.

If you qualify for Medicaid, MCHP, or MCHP Premium, you can enroll in those programs at any time.

Open Enrollment to buy a qualified health plan for 2017 is from Nov. 1, 2016 to Jan. 31, 2017.

Outside of the annual Open Enrollment period, you can buy a plan or change plans only if you’ve had special circumstances like having a baby or losing other health coverage. Learn more here about whether you may qualify and how to enroll.

Note, the open enrollment period does not apply to Medicaid, MCHP, or MCHP Premium. If you believe you or your children may be eligible these programs, you can use Maryland Health Connection to sign up at any time throughout the year.

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14 people found this faq useful.

You can purchase a plan directly from an insurance company, but you will not be eligible for any financial assistance. Financial assistance (including tax credits and cost sharing) is available only through Maryland Health Connection.

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16 people found this faq useful.