Maryland · MD
Maryland health insurance 2027: prices, plans and free help
In Maryland, the 2027 benchmark silver plan for a 40-year-old averages $491 a month before tax credits, up 19% from 2026 (KFF). A licensed advisor from America First Healthcare can compare private plans and Marketplace options with you on a free call.
Verify any agent's license through the NIPR lookup.
Reviewed by Jordan SarmientoUpdated
Quick facts
- Marketplace
- Maryland Health Connection
- 2027 open enrollment
- Dates on Maryland Health Connection
- Medicaid expansion
- Adopted
Facts checked 2026-09-17.
Maryland in 2027 at a glance
- Benchmark silver, age 40
- $491/mo
- 2027, before credits. Up 19% from 2026.
- Enrolled for 2026
- 255,612
- 67.4% got a premium tax credit.
Sources: KFF and CMS (2027 plan data), linked in the sections below.
Maryland health insurance facts
- Marketplace
- Maryland runs its own state-based marketplace, Maryland Health Connection.Source
- 2027 open enrollment
- Confirm the 2027 Open Enrollment dates with Maryland Health Connection.Source All states' 2027 dates.
- Medicaid expansion
- Maryland adopted Medicaid expansion (implemented January 1, 2014).Source
Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.
Average cost of health insurance in Maryland for 2027
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $491 a month for a 40-year-old in Maryland for 2027, before any credit. That is up 19% from $414 in 2026.Source
2027 benchmark silver price by age in Maryland
| Age | Per month, before credits |
|---|---|
| 21 | $384 |
| 30 | $436 |
| 40 | $491 |
| 50 | $686 |
| 60 | $1,043 |
| 64 | $1,153 |
Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.
The 2026 Marketplace in Maryland, in numbers
For 2026, 255,612 Maryland residents picked a Marketplace plan during Open Enrollment, and 67.4% of them received an advance premium tax credit. The average premium was $542 a month per person before the credit and $284 after it, counting everyone who picked a plan. 2.1% paid $10 a month or less after the credit.Source State premium help paid by Maryland’s own exchange is not included in these figures.
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $414 a month for a 40-year-old in Maryland in 2026, before any credit.Source
Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.
What our clients paid, by state and kind of plan, is in health insurance cost by state.
Health insurance companies in Maryland for 2027
Maryland runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on Maryland Health Connection. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.
Cheap health insurance in Maryland: where the low prices are
Tax credits change the price most. For 2026, 67.4% of Maryland Marketplace enrollees got a premium tax credit, and 2.1% paid $10 a month or less after it.Source
Maryland expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.
Free, impartial help in Maryland
If you have Medicare or will soon: Maryland’s State Health Insurance Assistance Program (SHIP) is State Health Insurance Assistance Program (SHIP), 1-800-243-3425.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source
America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.
Who we usually help in Maryland
New to private coverage? Start with private health insurance in the USA.
- Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- People who are out of work
- Families who want catastrophic-first coverage
We work with families across Maryland, including Baltimore, Frederick, Rockville and Gaithersburg, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.
What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.
Maryland health insurance FAQs
When is open enrollment in Maryland for 2027 coverage?
Maryland runs its own marketplace, Maryland Health Connection. We could not confirm its 2027 open enrollment dates from the exchange itself; check Maryland Health Connection directly before you plan around a date.
How much does health insurance cost in Maryland?
For 2027, the benchmark silver plan for a 40-year-old in Maryland averages $491 a month before tax credits, up 19% from $414 in 2026 (KFF). In 2026, Maryland Marketplace enrollees paid $284 a month on average after tax credits ($542 before) (CMS). Your own price depends on your age, county, household income and plan.
What is the average cost of health insurance in Maryland by age?
For 2027, the benchmark silver plan in Maryland averages about $436 a month at age 30, $491 at 40, $686 at 50 and $1,043 at 60, before tax credits (KFF benchmark for age 40, other ages on the CMS default age curve). Most Marketplace buyers pay less after a premium tax credit.
Does Maryland use HealthCare.gov or its own marketplace?
Maryland runs a state-based marketplace called Maryland Health Connection. Marketplace plans and any premium tax credit in Maryland go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in Maryland?
Look the agent up through the NIPR license lookup, or contact the state's insurance department. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.