Quick Reference Guide
It’s important to know that if you are enrolled in a qualified health plan, the primary applicant when you applied (the plan subscriber) is the contract holder with the insurance company. For this reason, to change the primary applicant you will need to disenroll the entire household from coverage and then re-enroll with a different primary applicant.
You should note when changing policies that insurance companies currently do not transfer accumulators such as deductibles and copays from one policy to the next.
Follow these steps below carefully to avoid a gap in coverage:
Step 1: At least 10 days before the end of the month, disenroll the entire household from coverage (effective the last day of the month) by logging into your account at MarylandHealthConnection.gov and using the "End My Current Coverage" Quick Link. See our quick guide (PDF).
Step 2: Wait 5 days, and then create a new account through MarylandHealthConnection.gov. In this new account, complete an application for coverage with a new primary applicant and any other remaining household members (which may include the previous primary applicant).
Under the Special Enrollment questions, choose loss of coverage. The new plan will be effective the first day of the following month.
Remember, when choosing a new primary applicant, he or she does not need to be applying for coverage, but must be at least 18 years old. If the primary applicant is not seeking coverage, the second person listed in the household on the application will be considered the primary subscriber by the insurance company.
Learn more here about who in the application may be the primary applicant.Permalink
In most cases, when you apply for coverage, the account holder (who defaults to the primary applicant) should be the household member you want as the contract holder with your insurance company.
Once you enroll in a plan, the primary applicant cannot easily be changed.
Some factors to consider when choosing the primary applicant include:
- The primary applicant does not need to be applying for coverage, but must be at least 18 years old. If the primary applicant is not seeking coverage, the second person listed in the household on the application will be considered the primary subscriber by the insurance company.
- If you expect one member of your household to end their coverage within the year (such as becoming eligible for Medicare, or enrolling through an employer), make another adult the primary applicant.
- If your household has mixed immigration status, make the adult who is a U.S. citizen or lawfully present the primary applicant, even if that person is not seeking coverage.
- If you are a married couple, both citizens or lawfully present, and seeking coverage for just one of you, make the person seeking coverage the primary applicant.
- If you are seeking coverage only for a dependent child under 17, an adult must be listed as primary, even if the adult is not seeking coverage. If you have more than one dependent (for example, you are a single parent seeking coverage for each of your 3 children but not yourself), complete a separate application for each child.
If you need to change the primary applicant, you will need to disenroll the entire household from coverage and then re-enroll with a different primary applicant. Follow these steps carefully to avoid a gap in coverage.Permalink
If you have been denied coverage due to a false incarceration claim, please call our consumer support center at 1-855-642-8572.
You may provide ANY of the following documentation to prove that you are no longer, or have never been incarcerated:
- Official release papers from institution
- Document(s) showing active employment or evidence that you live in the community, like a pay stub or utility bill from the last 60 days, or a current lease agreement.
- A signed affidavit (PDF) saying that you live in the community
You may mail this documentation to the following address:
Maryland Health Connection
P.O. Box 2160
Manchester, CT 06045
Or you may bring your documentation to your local Health Department, local Department of Social Services or local Connector Entity. You can find their information here.Permalink
Recommended browsers: MarylandHealthConnection.gov supports a variety of common browsers. We encourage you to complete your application in Chrome or Internet Explorer 9 or 10.
Please note the online application is not optimized for tablet or mobile use.
The online application is unavailable from 10 p.m. to 7 a.m. daily for scheduled maintenance.Permalink
When you create a new application, be sure to complete the “Build Your Household” section. If you have not completed this section, your application will not be saved. As you complete subsequent sections of the application, each section will be saved once you click “Confirm” at the end of the section. Partially completed sections will not be saved.Permalink
Certain functions performed by the system will take longer. This is normal and expected.
The online application will take longer when you create an account, as we confirm your identity, and as we determine your eligibility for coverage and financial help through Maryland Health Connection.
If you experience the message “Sorry, we are unable to verify your identity at this time,” it means the federal data services that we use are not available.
You should consider these options:
• Try back at a later time
• Call us at 855-642-8572 (TTY 855-642-8573) and complete your application over the phone
• Apply in person through a local navigator or authorized insurance broker.
If your account’s “My Inbox” indicates you need to provide verification of your information (such as income, identity or citizenship), you will see a link to submit your document by uploading it to your account.
The system will only allow you to upload one verification document per additional verification item. Before uploading a verification document, follow these steps:
- If several sources of verification information are required for one verification item, scan all of them and combine them into a single Word document. For example, if you must submit documentation about your income and you have paystubs from multiple jobs, you should combine all of your income documents into one file and submit them as a single file.
- Save the document as a .pdf or .bmp
- Ensure that the document size is 2 MB or less
If you are having issues combining your information into a single verification document, mail the documents to Maryland Health Connection, P.O. Box 2160, Manchester, CT 06045.
No, the system is not designed to work with multiple tabs or windows open at the same time. When you start your browser application, make sure only one window is open at a time. The system also works best when you delete cookies and temporary Internet files when you log out.Permalink
The online application is available in Spanish. However, please note that some questions from our Federal Partners are not translated. Please visit our Get Help Enrolling page if you need assistance applying in Spanish.
Please note that details for each plan, the Summary of Benefits of Coverage, are available only in English at this time. If you need help in another language understanding a plan, please visit our Get Help Enrolling page for assistance by phone or in person.
When you apply for coverage, you’ll need to provide some information about yourself and each member of your household who is enrolling:
- Social Security Numbers (or document numbers for legal immigrants)
- Citizenship or immigration status
- Tax returns for previous years
- Employer and income info (pay stubs, W-2 forms)
- Policy numbers for any current health insurance and information about employer-sponsored coverage you or someone in your household is eligible for.
During times of high volume or if data services from our Federal partners are not available, you may be directed into an online "waiting room."
As visitors complete their application, you will be allowed to continue with yours or you may try back at another time.
Please do not refresh this page or you may lose your place in line.
If you see a message stating we cannot electronically verify your identity, here’s what to do so you can move on with your application:
- Write down the reference code on the message.
- Call the Experian service using the phone number in the message. You will be asked a series of questions to which only you know the answers. If the agent is able to verify your identity, they will unlock your application and you may proceed with the application.
OR if you do not wish to call the service above, or if the Experian agent cannot verify your identity by phone, our representatives can verify your identity in person. Please note our consumer support center is unable to verify identity by phone.
Bring a government-issued ID such as one of those below to a local health department or connector entity office:
- Driver's license issued by a State or Territory
- Clinic, doctor, hospital, or school record
- Finding of identity from a Federal or State governmental agency
- Finding of identity from an Express Lane agency
- Identification card or official document issued by federal, state, or local government
- Military dependent's identification card
- Native American tribal documents
If you encounter an error during the application process, please try logging out of your account and log back in prior to calling the consumer support center.Permalink
If you have entered your information to create an account but cannot log in, we may still be processing your account creation if there are many people trying to create accounts.
Please try these steps:
- Wait approximately 15 minutes and attempt to login again with the same username and credentials used in creating the account
- If the same message appears, follow the password-reset process to verify the username and password are correct
- If the password reset does not resolve access, generate the account again through the account creation process
Please note that the online application is unavailable from 10 p.m. to 7 a.m. daily for scheduled maintenance.