Health insurance prices in Allegany County, MD (2026)
32 marketplace plans from 3 insurers. Cheapest plan $283/mo; typical Silver $446/mo. Official marketplace: Maryland Health Connection (enter your ZIP for your real price and tax credit).
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). Rating Area 4.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $336) · Silver $403–$663 (typical $446) · Gold $404–$649 (typical $435) · Catastrophic $189–$241 (typical $215)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| UnitedHealthcareUnitedHealth Group | 9 | $283 | $307 | $414 | $431 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Wellpoint (Elevance Health) | 10 | $332 | $334 | $444 | $411 | Wellpoint Essential Bronze 5500 ($0 Virtual PCP + Incentives) | |
| CareFirst BlueCross BlueShield (MD)CareFirst (Blue Cross Blue Shield company) | 13 | $339 | $348 | $493 | $483 | BlueChoice HMO Bronze 6100 Virtual Connect Plus |
All 32 plans in Allegany County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO Young Adult 10600 Virtual Connect Plus | Catastrophic | HMO | $189 | $10,600 | $10,600 | $12,866 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $241 | $10,600 | $10,600 | $13,492 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $283 | $10,600 | $10,600 | $13,998 | |
| UnitedHealthcare | UHC Bronze Value Plan | Expanded Bronze | HMO | $307 | $10,150 | $10,150 | $13,832 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $318 | $0 | $10,600 | $14,421 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 5500 ($0 Virtual PCP + Incentives) | Expanded Bronze | HMO | $332 | $5,500 | $10,600 | $14,579 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 for HSA (+ Incentives) | Expanded Bronze | HMO | $334 | $6,000 | $8,300 | $12,304 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO Bronze 6100 Virtual Connect Plus | Expanded Bronze | HMO | $339 | $6,100 | $9,300 | $13,365 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO HSA Bronze 6150 Virtual Connect Plus | Expanded Bronze | HMO | $346 | $6,150 | $7,750 | $11,897 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze Value 10150 ($0 Virtual PCP + Incentives) | Expanded Bronze | HMO | $348 | $10,150 | $10,150 | $14,327 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO Value Bronze 10150 | Expanded Bronze | HMO | $351 | $10,150 | $10,150 | $14,356 | |
| UnitedHealthcare | UHC Silver ($0 Virtual Urgent Care) | Silver | HMO | $403 | $4,650 | $9,450 | $14,284 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1500 ($0 Virtual PCP + Incentives) | Gold | HMO | $404 | $1,500 | $7,500 | $12,347 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + Incentives) | Gold | HMO | $411 | $800 | $9,000 | $13,932 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Silver | HMO | $414 | $0 | $9,200 | $14,173 | |
| UnitedHealthcare | UHC Silver Value Plan | Silver | HMO | $415 | $4,500 | $8,500 | $13,478 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Gold | HMO | $415 | $0 | $7,300 | $12,283 | |
| UnitedHealthcare | UHC Gold Value Plan | Gold | HMO | $431 | $1,000 | $8,500 | $13,670 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision) | Gold | HMO | $435 | $1,500 | $7,200 | $12,425 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 2600 ($0 Virtual PCP + Incentives) | Silver | HMO | $437 | $2,600 | $10,150 | $15,396 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 4000 ($0 Virtual PCP + Incentives) | Silver | HMO | $444 | $4,000 | $10,600 | $15,923 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO Referral Silver 2500 VisionPlus Virtual Connect Plus | Silver | HMO | $446 | $2,500 | $9,600 | $14,952 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO Gold 1750 Virtual Connect Plus | Gold | HMO | $452 | $1,750 | $7,800 | $13,222 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold Value 1000 ($0 Virtual PCP + Incentives) | Gold | HMO | $455 | $1,000 | $8,500 | $13,956 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives) | Silver | HMO | $459 | $4,500 | $8,500 | $14,012 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO Value Gold 1000 | Gold | HMO | $483 | $1,000 | $8,500 | $14,302 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO HSA Silver 3400 VisionPlus Virtual Connect Plus | Silver | HMO | $490 | $3,400 | $6,850 | $12,731 | |
| CareFirst BlueCross BlueShield (MD) | BlueChoice HMO Value Silver 4500 VisionPlus | Silver | HMO | $493 | $4,500 | $8,500 | $14,410 | |
| CareFirst BlueCross BlueShield (MD) | BluePreferred PPO Value Bronze 10150 | Expanded Bronze | PPO | $510 | $10,150 | $10,150 | $16,270 | |
| CareFirst BlueCross BlueShield (MD) | BluePreferred PPO Value Gold 1000 | Gold | PPO | $649 | $1,000 | $8,500 | $16,284 | |
| CareFirst BlueCross BlueShield (MD) | BluePreferred PPO Value Silver 4500 VisionPlus | Silver | PPO | $659 | $4,500 | $8,500 | $16,411 | |
| CareFirst BlueCross BlueShield (MD) | BluePreferred PPO HSA Silver 3400 VisionPlus Virtual Connect Plus | Silver | PPO | $663 | $3,400 | $6,850 | $14,808 |
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 | $336 | $510 | 10 | $8,150 | $10,150 | $14,162 |
| Silver | $403 | $446 | $663 | 11 | $4,000 | $8,500 | $14,410 |
| Gold | $404 | $435 | $649 | 9 | $1,000 | $8,500 | $13,670 |
| CatastrophicUnder 30 or hardship exemption only | $189 | $215 | $241 | 2 | $10,600 | $10,600 | $13,179 |
* 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.