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Health Reform for Individuals and Families

Maryland residents can shop for free and subsidized health care through the Maryland Health Connection at www.marylandhealthconnection.gov.

When can I enroll in health insurance?

You can enroll in Medicaid at anytime of year if you qualify for free coverage. If you qualify for subsidies or want to buy a plan on your own through the Maryland Health Connection, you need to apply during open enrollment which is from Nov. 1, 2018 to Dec. 15, 2018.

If you miss open enrollment, you may be able to get special permission to buy a plan outside of open enrollment if you had a major change in your family’s structure, income or coverage.

Click here to get help sorting through your options and expediting enrollment.

What will it cover?

The Affordable Care Act ensures health plans offered in the individual and small group markets, both inside and outside of the Maryland Health Connection, offer a comprehensive package of items and services, known as essential health benefits.

Essential health benefits must include items and services within at least the following 10 categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.

Can I see my doctor?

You can shop for plans in the Maryland Health Connection and rest assured that your doctor will accept your new plan using their Provider Search Tool. Many plans have extensive provider networks, but it’s always best to check with your doctor before enrolling in a health plan to be sure that it is a plan they accept and are “in-network.”

How much will it cost me?

The plans sold through the Maryland Health Connection are among the best rates in the country! It’s definitely worthwhile to check into your options and see how they might work for you and your family. Here is a great tool from consumer reports that can help you estimate the value of your new health care tax credit if you qualify.

Have questions about how health insurance works? Watch Health Insurance Explained by the Kaiser Family Foundation for a fun 5 minute guide.