3 Easy Steps

  1. 1. Make your Selection
  2. 2. Compare Plans
  3. 3. Apply
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Maryland Health Connection

 

The Maryland Health Connection, Maryland’s online health insurance marketplace, has arrived, and with it a host of opportunities to purchase affordable Maryland health insurance. ForHealthInsurance.com has created this guide to give you all the information you need to get the most out of the marketplace.

How do I find a plan with the Maryland Health Connection?

While there are plenty of different Maryland health insurance plans to choose from at the Maryland Health Connection, they all fall into the four broad categories of Bronze, Silver, Gold and Platinum plans. As you might expect, the closer you get to Platinum the the better the plans are in the sense that you have lower out of pocket costs, but a higher premium to pay each month.

A great thing about Maryland health insurance is that plans are now required to provide coverage for certain essential health benefits. These essential benefits include things like laboratory services, prescription drugs and rehabilitative services among other things. Meaning that even if you do opt for a Bronze or Silver Maryland Health Connection plan, you still have all the basics covered (and then some).

How can I make a choice between all of these plans on Maryland Health Connection?

Even with the plans so nicely divided up, making a choice can still be difficult. If you find out exactly how much you spend on Maryland health insurance now, you will have a good idea of what to look for on the Maryland Health Connection. While the premiums of a Maryland health insurance plan are the most obvious factor in terms of cost, you have to look at the cost of prescriptions and visits to the doctor as well. This way you can see what the true cost of plan is.

Do Maryland health insurance plans get any cheaper?

When evaluating the cost of your Maryland health insurance, there is one more factor to keep in mind. If your income falls somewhere between 133 to 400 percent of the Federal Poverty Line, you qualify for a federal tax subsidy when purchasing a Maryland Health Connection plan. This can make a big difference in the cost of your plan. In addition, at 400 percent of the Federal Poverty Line you will not pay more than 9.5 percent of your yearly income in health insurance premiums. This percentage goes down as you make less money.

There is more good news. Maryland has expanded their Medicaid program to include single adults without children. You may have been wondering why you don’t get a subsidy if you make less than 133 percent of the Federal Poverty Line. That is because you’d qualify for Medicaid at that income level.

How do I buy a Maryland Health Connection plan?

To buy a Maryland health insurance plan at the Maryland Health Connection give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.