Navigating the complexities of health insurance can be daunting, but Maryland Health Connection simplifies this process for residents. As the state’s official health insurance marketplace, it offers a centralized platform to compare and enroll in various health plans, ensuring that Marylanders have access to affordable and comprehensive healthcare coverage.
What is Maryland Health Connection?
Maryland Health Connection serves as the state’s health insurance marketplace, established in response to the Affordable Care Act (ACA). It provides a user-friendly platform where individuals, families, and small businesses can explore and enroll in health and dental insurance plans. Beyond facilitating plan comparisons, it also determines eligibility for Medicaid, the Maryland Children’s Health Program (MCHP), and financial assistance programs.
History and Mission
Since its inception in 2013, Maryland Health Connection has been instrumental in reducing the number of uninsured residents. Its mission is to improve the health and well-being of Marylanders by providing access to affordable, high-quality health coverage. Over the years, the platform has evolved, incorporating technological advancements and policy changes to better serve the community.
Who is Eligible for Maryland Health Connection?
Eligibility to enroll through Maryland Health Connection includes:
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Maryland residents
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U.S. citizens or lawfully present immigrants
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Individuals not incarcerated
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Those not enrolled in Medicare
Financial assistance eligibility is determined based on household size and income, relative to the Federal Poverty Level (FPL). Medicaid and MCHP provide options for low-income individuals and families, while others may qualify for subsidies to reduce premium costs.
Enrollment Periods
Open Enrollment Period (OEP):
From November 1, 2024, to January 15, 2025. Plans selected by December 31, 2024, begin coverage on January 1, 2025. Plans selected between January 1-15, 2025, start on February 1, 2025 .
Special Enrollment Period (SEP):
Outside the OEP, individuals can enroll if they experience qualifying life events such as:
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Loss of other coverage
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Marriage or divorce
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Birth or adoption
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Relocation to Maryland
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Significant income changes
Additionally, the Easy Enrollment Program allows residents to initiate the insurance process through their state tax return .
How to Apply
Applying through Maryland Health Connection involves:
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Creating an Account: Visit MarylandHealthConnection.gov to set up an account.
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Providing Personal Information: Include household details, income, and address.
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Checking Eligibility: Determine qualification for Medicaid, MCHP, or premium subsidies.
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Comparing Plans: Evaluate options to find a plan that fits your needs and budget.
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Enrolling: Complete the enrollment and pay the first premium to activate coverage.
Required Documents:
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Social Security numbers
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Immigration documents (if applicable)
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Recent pay stubs or tax returns
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Information about any current health coverage
Available Health Plans
Maryland Health Connection offers plans categorized by metal tiers:
| Tier | Ideal For | Coverage Level |
|---|---|---|
| Bronze | Lower premiums, higher out-of-pocket costs | 60% |
| Silver | Balanced premiums and cost-sharing | 70% |
| Gold | Higher premiums, lower out-of-pocket costs | 80% |
These plans are provided by reputable insurers, including Aetna, CareFirst, Kaiser Permanente, UnitedHealthcare, and Wellpoint .
Medicaid and MCHP
Medicaid: Available to adults aged 19–64 with incomes up to 138% of the FPL.
Maryland Children’s Health Program (MCHP): Covers children under 19 and pregnant women in households earning up to 322% of the FPL.
Enrollment for both programs is open year-round, with coverage beginning on the first day of the month in which you apply .
Cost and Savings
Maryland Health Connection provides financial assistance to make health insurance more affordable:
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Premium Tax Credits: Reduce monthly insurance premiums.
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Cost-Sharing Reductions: Lower out-of-pocket costs for Silver plan enrollees.
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Free or Low-Cost Coverage: Available through Medicaid or MCHP for eligible individuals.
Over 80% of enrollees receive some form of financial help.
Income Guidelines
Income eligibility for subsidies and Medicaid is updated annually. For 2025, specific income thresholds determine eligibility for various programs. Residents can use the platform’s calculator tool to assess their eligibility and potential savings .
Maryland Easy Enrollment Program
This initiative allows residents to begin the health insurance enrollment process through their state tax return. By checking a box on the tax form, individuals authorize the exchange of information between the Comptroller’s Office and Maryland Health Connection, facilitating a streamlined enrollment process .
Dental Insurance Options
Maryland Health Connection also offers dental plans for both adults and children. These plans cover preventive services, basic procedures, and major services, depending on the selected plan. Dental coverage can be purchased alongside health insurance or separately.
Managing Your Coverage
Once enrolled, it’s essential to manage your coverage effectively:
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Renewals: Annual renewal is required to maintain coverage.
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Updates: Report any changes in income, household size, or address promptly.
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Account Management: Use the online portal or mobile app to view plan details, make payments, and access important documents.
Navigating the Portal
The Maryland Health Connection website offers various tools to assist users:
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Plan Comparison Tool: Evaluate different plans based on coverage and cost.
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Income Calculator: Estimate potential subsidies and eligibility.
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Mobile App: Manage your account on-the-go with the official app.
Help and Support
Assistance is available through:
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In-Person Help: Certified navigators and brokers across the state.
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Phone Support: Call 1-855-642-8572 for guidance.
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Online Resources: FAQs, tutorials, and live chat support on the website.
Special Enrollment Qualifiers
Life events that may qualify you for a Special Enrollment Period include:
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Loss of health coverage
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Marriage or divorce
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Birth or adoption of a child
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Relocation to Maryland
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Significant income changes
Conclusion
In a world where healthcare decisions can be confusing and costly, Maryland Health Connection shines as a beacon of clarity, affordability, and support for Maryland residents. Whether you’re a young adult purchasing your first policy, a parent seeking comprehensive coverage for your family, or someone exploring options after a life change, this platform offers tailored solutions with real savings.
From Medicaid and MCHP to premium tax credits and comprehensive health plans, Maryland Health Connection ensures that no one has to navigate healthcare alone. With tools, support, and programs like Easy Enrollment and the mobile app, coverage has never been more accessible.
As healthcare evolves in 2025, so does the platform—expanding access, increasing efficiency, and keeping Marylanders at the heart of every decision. Now is the time to explore your options, secure coverage, and invest in your well-being.
FAQs
What is Maryland Health Connection?
Maryland Health Connection is the official health insurance marketplace for Maryland residents. It allows individuals and families to compare and enroll in health and dental insurance plans and apply for Medicaid, MCHP, and financial assistance.
Who is eligible to enroll through Maryland Health Connection?
Eligibility includes Maryland residents who are U.S. citizens or lawfully present immigrants, are not incarcerated, and are not enrolled in Medicare. Financial assistance is available based on income and household size.
When can I enroll in a health plan?
You can enroll during the Open Enrollment Period (typically Nov 1–Jan 15) or during a Special Enrollment Period if you experience a qualifying life event such as job loss, marriage, or having a baby.
How can I apply for coverage through Maryland Health Connection?
Visit MarylandHealthConnection.gov, create an account, enter your personal and household information, compare plans, and enroll. You can also apply via the mobile app or get help from navigators or brokers.
Does Maryland Health Connection offer dental plans?
Yes. Dental coverage is available for both adults and children and can be purchased alone or with a health insurance plan. It includes preventive care and major services, depending on the selected plan.
Can I get financial help to lower my insurance costs?
Yes. Most enrollees qualify for Premium Tax Credits or Cost-Sharing Reductions based on income. Those who meet specific criteria may also be eligible for Medicaid or MCHP, which offer free or low-cost coverage.
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