Health insurance prices in Maryland (2026)
47 marketplace plans from 4 insurers across 24 counties. Official marketplace: Maryland Health Connection.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $283–$510 (typical $334) · Silver $403–$663 (typical $448) · Gold $404–$649 (typical $444) · Platinum $520–$520 (typical $520) · Catastrophic $189–$241 (typical $225)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 24) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| UnitedHealthcareUnitedHealth Group | 24 | 9 | $283 | $307 | $414 | $431 | UHC Bronze Essential ($0 Virtual Urgent Care) |
| Wellpoint (Elevance Health) | 24 | 10 | $332 | $334 | $444 | $411 | Wellpoint Essential Bronze 5500 ($0 Virtual PCP + Incentives) |
| Kaiser Permanente | 11 | 11 | $328 | $332 | $450 | $464 | KP MD Bronze 7500 Ded/HSA/Vision |
| CareFirst BlueCross BlueShield (MD)CareFirst (Blue Cross Blue Shield company) | 24 | 17 | $339 | $348 | $493 | $483 | BlueChoice HMO Bronze 6100 Virtual Connect Plus |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $283 | $334 | $510 | 14 | $7,500 | $10,150 | $14,134 |
| Silver | $403 | $448 | $663 | 16 | $4,250 | $8,500 | $14,345 |
| Gold | $404 | $444 | $649 | 13 | $1,000 | $8,500 | $13,801 |
| Platinum | $520 | $520 | $520 | 1 | $0 | $5,000 | $11,245 |
| CatastrophicUnder 30 or hardship exemption only | $189 | $225 | $241 | 3 | $10,600 | $10,600 | $13,302 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Maryland
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Allegany County | 3 | 32 | $283 | $336 | $446 |
| Anne Arundel County | 4 | 43 | $283 | $334 | $448 |
| Baltimore County | 4 | 43 | $283 | $334 | $448 |
| Baltimore city | 4 | 43 | $283 | $334 | $448 |
| Calvert County | 4 | 43 | $283 | $334 | $448 |
| Caroline County | 3 | 32 | $283 | $336 | $446 |
| Carroll County | 4 | 43 | $283 | $334 | $448 |
| Cecil County | 3 | 32 | $283 | $336 | $446 |
| Charles County | 4 | 43 | $283 | $334 | $448 |
| Dorchester County | 3 | 32 | $283 | $336 | $446 |
| Frederick County | 4 | 43 | $283 | $334 | $448 |
| Garrett County | 3 | 32 | $283 | $336 | $446 |
| Harford County | 4 | 43 | $283 | $334 | $448 |
| Howard County | 4 | 43 | $283 | $334 | $448 |
| Kent County | 3 | 32 | $283 | $336 | $446 |
| Montgomery County | 4 | 43 | $283 | $334 | $448 |
| Prince George's County | 4 | 43 | $283 | $334 | $448 |
| Queen Anne's County | 3 | 32 | $283 | $336 | $446 |
| Somerset County | 3 | 32 | $283 | $336 | $446 |
| St. Mary's County | 3 | 32 | $283 | $336 | $446 |
| Talbot County | 3 | 32 | $283 | $336 | $446 |
| Washington County | 3 | 32 | $283 | $336 | $446 |
| Wicomico County | 3 | 32 | $283 | $336 | $446 |
| Worcester County | 3 | 32 | $283 | $336 | $446 |
To compare insurance plans side by side (or with health sharing), open your county.