Maryland health care insurance can be expensive to purchase, especially if one does not qualify for an affordable plan. To find the most affordable plan for you, it is important to compare prices.
Affordable health insurance in md
The good news is that you can get low-cost health insurance in Maryland if you qualify for Medicaid or other state-run programs. Medicaid is available for almost 1.5 million Marylanders including children, seniors, and people with disability.
Employers who offer health benefits may also be able to provide you with a policy. If you want to save money on your monthly premiums you can choose a high-deductible health insurance plan. But you need to do some research and compare policies to make sure that you are getting the most coverage.
When choosing a health insurance plan, consider both your individual and your family’s medical needs. You should choose a high metal-tier plan, which has lower deductibles.
If you are on a low income, and cannot afford to pay the full deductible, then consider lower-cost health insurance. These types of insurance policies can help to control costs and cover things like routine doctor visits, hospitalizations prescription drugs, dental and vision services, etc.
The Affordable Care act has changed the way insurers price plans. The law prevents insurers from charging higher premiums based on health status or gender.
Maryland offers many types of health care insurance plans, ranging in price from affordable government-sponsored options to low-cost private options. Use our search tool to compare plans and find the one that best suits your needs.
If you don't have access to a workplace plan, there are still options for getting coverage through the Affordable Care Act. Maryland Individual Marketplace allows users to compare insurance plans, and to apply for tax credits that can help lower their premiums.
Maryland's Health Connection offers health insurance policies to those who qualify for Medicaid, or other state programs. This is the official insurance exchange of the state. These plans are available to purchase online, over the telephone or in person.
The website provides a list with all of the health insurance policies that are available in your locality, as well as their monthly premiums. The website also allows you to see if you are eligible for financial support through the Maryland Health Connector. An independent nonprofit, this organization helps low-income people and families get health insurance.
To cover any gaps in your coverage, you can buy a short-term insurance policy. They are usually designed to protect you from large medical bills, like those caused by illness or injury. They are not a solution to comprehensive health insurance.