Health Insurance in Maryland for the Self-Employed & Families

I am an independent, licensed health insurance broker and I am licensed in Maryland. I compare Maryland plans across multiple insurance companies, explain the trade-offs in plain English, and help you enroll. There is no fee for my help — the insurance company pays the broker, not you.

How coverage works in Maryland

Maryland does not use HealthCare.gov. It runs its own marketplace, Maryland Health Connection, and that is where Maryland residents enroll in an ACA plan and claim a premium tax credit. The plans, the carriers and the subsidy rules are the same federal ones — only the front door is different. If you have enrolled through HealthCare.gov in the past, this trips people up every year, and I will point you at the right site.

Medicaid expansion means no coverage gap

Maryland has adopted Medicaid expansion, so adults under roughly 138% of the federal poverty level are generally eligible for Maryland Medicaid, and premium tax credits pick up from there. In practice that means there is no income at which you simply have nothing available — which is not true in every state I am licensed in.

Your realistic options in Maryland

• ACA / marketplace plans. Guaranteed acceptance — your health history cannot be used to decline you or raise your price. If your income qualifies, a premium tax credit lowers what you pay each month.
• Private, medically underwritten plans. These ask health questions. For healthy applicants they are often cheaper than full-price marketplace coverage, and they can be applied for at any time of year rather than only during Open Enrollment.
• Small business / group coverage. If you have employees in Maryland, group coverage is worth pricing — it is often the strongest benefit a small employer can offer.
• Short-term and supplemental. Useful for bridging a gap between jobs, or adding dental, vision, accident and critical-illness coverage alongside a main plan. Duration limits vary by state, so ask me what applies in Maryland right now.

Who I usually help in Maryland

Self-employed people and 1099 contractors, families buying their own coverage, people who have just lost coverage through a job, small business owners, and people retiring before Medicare starts. If you earn too much to qualify for a premium tax credit, that is worth a conversation: the enhanced subsidies expired, so there is now a hard cut-off at 400% of the federal poverty level, and above it the math changes.

Posey Health Solutions · National Producer Number 20609967 · licensed in Maryland and 30 other states. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability and carrier participation vary by county and plan year.