Maryland's health insurance costs can be high, particularly if you do not qualify to purchase a plan at a reduced rate. Shop around to find the best possible deal for your needs.
Affordable health insurance in md
The good news is that you can get low-cost health insurance in Maryland if you qualify for Medicaid or other state-run programs. Medicaid is available to nearly 1.5 million Marylanders, including seniors, children and people with disabilities.
Buying a health insurance policy through an employer is also an option if you work for a company that offers benefits. You can reduce your monthly costs by choosing a plan with a high deductible, but it's important to compare different plans and make sure you are getting the best coverage.
Consider your family's and individual medical needs when shopping for a policy. Consider a plan that has a lower metal tier with a lower deductible and out-of pocket maximum if you anticipate needing a lot medical care during the year.
Look into cheaper health insurance if your income is very low and you can't pay a full deductable. These policies will help you to manage your expenses and can cover hospitalizations, routine doctor visits, prescription medications, vision and other dental services and more.
The Affordable Health Care Act has altered the pricing of insurance plans. The law prohibits them from charging you more based on your health or gender, which can reduce the cost of your premiums.
Maryland offers many types of health care insurance plans, ranging in price from affordable government-sponsored options to low-cost private options. The best way to get the right coverage for your health and budget is to compare options using our search tool.
There are options available to you if your employer does not offer a health insurance plan. The Maryland Individual Marketplace allows you to compare health insurance plans and apply for tax credits to help reduce your premiums.
Maryland's Health Connection offers health insurance policies to those who qualify for Medicaid, or other state programs. This is the official insurance exchange of the state. The plans can be bought online, on the phone or at the exchange.
You can find a complete list of health insurance plans in your area along with the monthly premiums, deductibles, and other details. The website will also let you know if you're eligible for financial help through the Maryland Health Connector. It is an independent nonprofit organization that assists low-income individuals, families and groups with health insurance.
You can also purchase a short term health insurance policy in order to cover a coverage gap. They are usually designed to protect you from large medical bills, like those caused by illness or injury. However, they aren't a long-term solution for comprehensive health coverage.