Compare the most affordable health insurance plans in Maryland from all companies on our website. We provide the lowest Md rates for individuals, families, small businesses, and self-employed persons. Within a few moments, you can view the best offers from the most respected insurers in the state and purchase a policy on or off the Marketplace Exchange. Most plans are issued quickly and easily. The Maryland Health Connection offers plan comparisons but does not underwrite the policies. Senior Medigap plans are also available.

Prices have remained low for many years due to increased primary and specialist care availability, enhanced safety regulations for workers, and comprehensive preventive benefits for infants and toddlers. We  show you which plans provide you with the maximum amount of benefits for the least cost. A reinsurance program approved by the federal government lowered premiums last year. The waiver for the program is temporary. More than 150,000 persons typically enroll in a Marketplace plan.

NOTE: Medicare’s Open Enrollment for Seniors takes place earlier than for persons under age 65.  It begins on October 15th and ends on December 7th. Maryland Medicare Advantage, Supplement and Part D prescription drug plans are offered. Medicaid registration is available all year. For persons under age 65, the Open enrollment period begins on November 1st and ends on January 15th.

Open Enrollment

During Open Enrollment, you do not have to qualify medically, take or pass a physical, or worry about whether your pre-existing conditions will be covered. If the Open Enrollment deadline has passed, and you did not apply for coverage, you may qualify for a special enrollment period (SEP). The most common SEP situations are losing  group benefits from your employer, divorce, moving to a different state or service area, and having a baby. Although the newborn is eligible for coverage, the delivering mother is not.

If you missed Open Enrollment (which is very common), and you don’t qualify for a special exception, very cheap “short-term” policies may be able to provide gap coverage until the next OE period. Many major carriers offer this type of benefit, and typically, you can keep coverage for 6-12 months without re-applying. Approval is also often instantaneous since underwriting is limited. You can easily cancel policies at any time.

Since “temporary” policies are not in full compliance with the Affordable Care Act, insurers do not have to cover pre-existing conditions, and instant federal tax credits can not be used, regardless of  individual or household income. Preventative benefits are provided, but coverage may not be covered at 100%. Many optional riders are offered, including supplemental accident, critical illness, dental, and vision.

Maryland Health Marketplace Open Enrollment

Maryland Health Connection Was Created When The ACA Legislation Passed

Maryland Health Benefit Exchange (MHBE)

The MHBE was created as a direct result of the passage of the Patent Protection And Affordable Care Act (Obamacare). Although government administered, it is its own separate entity. The Maryland Health Connection is the “Marketplace” that provides consumers the opportunity to purchase subsidized healthcare plans. The Department of Human Services also provides assistance.

Our website provides current quotes and rates, along with detailed analysis of your options. We also make it VERY easy for you to enroll. When Exchanges were first launched, the application process took about 90 minutes. Now, it takes about 20 minutes once you have selected a plan. Calculation of the federal subsidy is simplified, and you are notified if you are eligible for CHIP or Medicaid.

All companies that participate on the Exchange must receive prior approval from the state. Also, any time a rate increase is requested, a decision will be made whether to approve the price hike and what percentage of the requested increase. Like other state-based Exchanges (and federally-run also), Catastrophic, Bronze, Silver, Gold and Platinum tier policies are offered.

All but the “catastrophic” contracts allow you to qualify for federal subsidies. Since catastrophic-tier plans are typically inexpensive (but not always the lowest cost plans), a low household income will not result in an Obamacare instant tax credit. Also, unless you are under the age of 30, you must meet “financial hardship” guidelines. Otherwise, a Bronze-tier policy will likely be the cheapest option.

Consumer Assistance Regions were created to assist with the enrollment process. The eight Regions in their corresponding areas are listed below:

Central Region – Anne Arundel, Baltimore City, and Baltimore.

Far Western Region – Washington, Allegany, and Garrett.

Lower Eastern Shore Region – Somerset, Wicomico, and Worcester.

Mid-Western Region – Howard, Carroll, and Frederick.

Montgomery County

Prince George’s County

Southern Region – Calvert, Charles, and St. Mary’s.

Upper Eastern Shore Region – Caroline, Cecil, Dorchester, Harford, Kent, Queen Anne’s, and Talbot.

 

2023 Rate Change Requests (Individual And Family)

CareFirst Blue Choice HMO – 11.21% increase

CareFirst Of Maryland And Group Hospitalization And Medical Services (Blue Preferred PPO)  – 25.93% increase

GHMSI – 25.98% increase

Kaiser  – 7.15% increase

Optimum Choice – 8.70% increase

 

2023 Rate Change Requests (Small Group)

Aetna Health – 12.77% increase

Aetna Life – 8.08% increase

CareFirst BlueChoice HMO 11.67% increase

CareFirst Of Maryland – 5.68% increase

GHMSI – 5.84% increase

Kaiser – 11.19% increase

MAMSI Life And Health – 3.58% increase

Optimum Choice – 11.24% increase

UnitedHealthcare  –  4.52% increase

UnitedHealthcare PPO – 12.3% increase

UnitedHealthcare (Mid-Atlantic)  – 10.16% increase

 

SCHIP

For children up to age 19 and pregnant women who meet income guidelines, the SCHIP program is currently active and provides a reputable solution for low-income households. Medicaid eligibility is largely determined by household income, and is also available to many low-income family members. Often, a household may have a combination of adults that are receiving federal subsidies to purchase Marketplace plans, while SCHIP is covering the children. Requirements include legal US citizenship and currently residing in the state. Provided benefits include physician visits, hospitalization, tests, lab work, dental and vision, immunizations, prescriptions, substance abuse treatment, and mental health services.

There were about 750,000 residents without coverage before the first year of Open Enrollment seven years ago. At that time, it represented about 13% of the state’s population. However, a few years later, only about 8% of the population was uninsured. The significant reduction was a result of a combination of factors including the implementation of the ACA legislation, and higher Medicaid enrollment. Maximum household income requirements for SCHIP eligibility are $32,200 (one person), $43,550 (two persons), $54,900 (three persons), and $66,250 (four persons).

 

Who Are The Available Companies?

CareFirst Blue Cross Blue Shield is a non-profit company that offers many competitively-priced plans in the state. The list of providing and participating physicians and hospitals is large and extends to other areas of the country. Policies are also offered through CareFirst of Maryland (see below), and Group Hospitalization and Medical Services Inc. As the largest healthcare carrier in the Middle Atlantic region, more than three million members are provided service, along with an additional 600,000 members of the FEP (Federal Employees Health Program).

CareFirst BlueChoice offers HMO and POS plan options and is part of the BCBS family of companies. Policies are issued through CareFirst Blue Choice and CareFirst Of Maryland.

Lowest Health Insurance Quotes Md

Affordable Maryland Health Insurance Is Available

Kaiser Permanente  allows you to coordinate benefits with a primary care physician (PCP), and is the nation’s largest non-profit healthcare plan. Foundation hospitals form the backbone of the major medical care. Kaiser health insurance rates are typically very competitive for applicants under age 65.

UnitedHealthcare returned for 2021. UHC is one of the nation’s largest carriers, and also offers many ancillary products, including dental and vision plans. Their short-term plans (through Golden Rule Insurance) are very popular temporary choices throughout the US. These types of plans typically offer very low premiums, although pre-existing conditions are not covered, and federal subsidies are not available.

Note: Cigna and Evergreen Health exited the market and no longer offer private plans in Maryland. However, their market share was very low and prices of the participating carriers were not impacted.

 

Current Available Plans For Individuals And Families

 

Catastrophic  (Must be under age 30 or prove “financial hardship”

CareFirst BlueChoice HMO Young Adult $8,700 – $8,700 deductible with 0% coinsurance. First three primary care physician (pcp) office visits not subject to deductible. No charge for children’s dental checkup or eye exam.

Kaiser KP MD Catastrophic 8700/0/Vision  – $8,700 deductible with 0% coinsurance. First three pcp office visits not subject to deductible. No charge for children’s dental checkup or eye exam. Additional coverage is provided for glasses or contact lenses.

 

Bronze

Kaiser KP MD Bronze 6900/0%/HSA/Vision – HSA-eligible plan with $6,900 deductible and $6,900 maximum out-of-pocket expenses and 00% coinsurance.

Kaiser KP MD Bronze Value 6700/40/Vision – $40 copay for pcp office visits, although specialist visits must meet deductible and coinsurance. Deductible is $6,700 with 40% coinsurance and maximum out-of-pocket expenses of $8,700. $20 generic drug copay and $50 Urgent Care copay (subject to deductible).

Kaiser KP MD Bronze 7500/40%/Vision –  Deductible is $7,500 with 40% coinsurance and maximum out-of-pocket expenses of $8,700. Prescription drugs must meet deductible and applicable copays.

CareFirst BlueChoice HMO Value Bronze 6100  – Deductible of $6,100 and maximum out-of-pocket expenses of $8,700. $40 pcp office visit copay and $70 Urgent Care copay. Generic, preferred brand, non-preferred brand, and preferred drug copays are $20, $50, $70, and $150 (subject to deductible).

CareFirst BlueChoice HMO Bronze 8250  – Deductible of $8,250 and maximum out-of-pocket expenses of $8,250 with 0% coinsurance.

CareFirst BluePreferred PPO Bronze 8250  – Deductible of $8,250 and maximum out-of-pocket expenses of $8,250 with 0% coinsurance.

CareFirst BlueChoice HMO HSA Bronze $6,150  – HSA-eligible plan with $6,150 deductible and $6,900 maximum out-of-pocket expenses. $30 and $40 office visit copays, but subject to the deducible. Generic and brand drug copays of $10 and $50 also subject to the deductible.

UnitedHealthcare Bronze Essential –  $8,70 deductible and $8,700 maximum out-of-pocket expenses.

UnitedHealthcare Bronze Value –  $8,70 deductible and $8,700 maximum out-of-pocket expenses. Pcp office visit copay of $40 with $80 Urgent Care copay. The Tier 1 and Tier 2 drug copays are $10 and $20.

UnitedHealthcare Balance Bronze-X Saver – HSA-eligible plan with $5,900 deductible and $7,000 maximum out-of-pocket expenses and 30% coinsurance. Tier 1 and Tier 2 drug copays are $5 and $30 after the deductible.

 

Silver

Kaiser KP MD Silver Virtual Forward 4000 – $55 and $75 office visit copays with $75 Urgent Care copay.  Deductible is $4,000 with 30% coinsurance and $8,550 maximum out-of-pocket expenses. Generic and preferred brand drug copays are $20 and $50.  Other drugs are subject to coinsurance and deductible.

Kaiser KP MD Silver 6000/40/Vision – $40 and $60 office visit copays with $60 Urgent Care copay.  Deductible is $8,500 with 35% coinsurance and $8,500 maximum out-of-pocket expenses.  Diagnostic tests receive a $70 copay. Generic and preferred brand drug copays are $30 and $60.  Other drugs are subject to coinsurance and deductible.

Kaiser KP MD Silver 3200/20%/HSA/Vision – HSA-eligible plan with $3,200 deductible and $6,650 maximum out-of-pocket expenses and 20% coinsurance. $20 generic drug and $55 preferred brand drug copays after the deductible.

Kaiser KP MD Silver Value 2500/35/Vision – $35 and $55 office visit copays with $55 Urgent Care copay.  Deductible is $2,500 with 35% coinsurance and $8,250 maximum out-of-pocket expenses. X-rays and diagnostic tests are subject to a $70 copay. Generic and preferred brand drug copays are $20 and $60.

CareFirst BlueChoice HMO Value Silver $2,250 VisionPlus –  $2,250 deductible and $8,050 maximum out-of-pocket expenses. Office visit copays of $30 and $40 with $60 Urgent Care copay. The generic drug copay is $15. Lab test and x-ray copays are $25 and $55 at non-hospital facilities.

CareFirst BlueChoice PPO HSA Silver $3,000 VisionPlus – HSA-eligible plan with $3,000 deductible and $6,650 maximum out-of-pocket expenses. Office visit copays of $30 and $40 are subject to the deductible.  $60 Urgent Carecopay also subject to the deductible. Lab test and x-ray copays are $25 and $55 at non-hospital facilities.

UnitedHealthcare Silver Saver+ – First six pcp office visits are free and $65 specialist visits copay. Urgent Care copay is $65.  Deductible is $6,500 with 30% coinsurance and $8,700 maximum out-of-pocket expenses.  Diagnostic tests and lab tests are $25 and $55 in free standing offices. Tier 1, Tier 2, and Tier 3 drug copays are $10, $25, and $75 ($30, $75, and $225 mail order).

UnitedHealthcare Silver Saver Extra+ – First three pcp office visits are free and $65 specialist visits copay. Urgent Care copay is $65.  Deductible is $4,000 with 30% coinsurance and $8,700 maximum out-of-pocket expenses.  Diagnostic tests and lab test copays are $25 and $55 in free standing offices. Tier 1, Tier 2, and Tier 3 drug copays are $10, $25, and $75 ($30, $75, and $225 mail order).

UnitedHealthcare Silver Value+ – $40 and $70 office visit copays. Urgent Care copay is $60.  Deductible is $2,500 with 40% coinsurance and $8,700 maximum out-of-pocket expenses.  Diagnostic tests and lab test copays are $60 in free standing offices. Tier 1, Tier 2, and Tier 3 drug copays are $5, $25, and $75 ($15, $75, and $225 mail order).

UnitedHealthcare Silver Base+ – $25 and $40 office visit copays. Urgent Care copay is $60.  Deductible is $3,750 with 30% coinsurance and $8,700 maximum out-of-pocket expenses.  Tier 1, Tier 2, and Tier 3 drug copays are $5, $25, and $75 ($15, $75, and $225 mail order).

 

Gold

Kaiser KP MD Gold 1750/20/Vision – $20 and $40 office visit copays with $40 Urgent Care copay.  Deductible is $1,750 with 35% coinsurance and $6,950 maximum out-of-pocket expenses. X-rays and diagnostic tests are subject to a $70 copay, while outpatient lab services are also subject to a $70 copay. Generic drug copay is $15. Other drugs are subject to coinsurance and/or deductible.

Kaiser KP MD Gold 1000/20/Vision – $20 and $40 office visit copays with $40 Urgent Care copay.  Deductible is $1,000 with 35% coinsurance and $6,950 maximum out-of-pocket expenses. X-rays and diagnostic tests are subject to a $70 copay, while outpatient lab services are also subject to a $70 copay.  MRIs are subject to $500 copay. Generic drug copay is $10 and preferred brand drug copay is $55. Other drugs are subject to coinsurance.

Kaiser KP MD Gold Virtual Forward 2000 – $50 and $70 office visit copays with $70 Urgent Care copay.  Deductible is $2,000 with $5,000 maximum out-of-pocket expenses. X-rays and diagnostic tests are subject to a $50 copay, while outpatient lab services are also subject to a $50 copay.  Imaging has a $150 copay. Generic drug copay is $10 and preferred brand drug copay is $50. Other drugs are subject to coinsurance.

Kaiser KP MD Gold Value 0/20/Vision – $20 and $40 office visit copays with $40 Urgent Care copay.  Deductible is $0 with 35% coinsurance and $6,950 maximum out-of-pocket expenses. X-rays and diagnostic tests are subject to a $65 copay, while outpatient lab services are also subject to a $65 copay.  Imaging has a $500 copay. Generic drug copay is $10 and preferred brand drug copay is $55. Other drugs are subject to coinsurance.

CareFirst BlueChoice HMO Gold $1,750 – $0 and $30 office visit copays with $50 Urgent Care copay.  Deductible is $1,750 with $6,650 maximum out-of-pocket expenses.  X-rays  are subject to a $65 copay, while outpatient lab services are subject to a $15 copay. Generic dug copay is $0. Other prescription drugs must meet deductible. Imaging copay is $250.

CareFirst BlueChoice PPO Gold $1,750 – $0 and $30 office visit copays with $50 Urgent Care copay.  Deductible is $1,750 with $6,650 maximum out-of-pocket expenses.  X-rays  are subject to a $65 copay, while outpatient lab services are subject to a $15 copay. Generic dug copay is $0. Other prescription drugs must meet deductible. Imaging copay is $250.

CareFirst BlueChoice HMO Value Gold $1,000 – $0 and $30 office visit copays with $50 Urgent Care copay.  Deductible is $1,000 with $6,650 maximum out-of-pocket expenses.  X-rays  are subject to a $65 copay, while outpatient lab services are subject to a $15 copay. Generic dug copay is $0. Other prescription drugs must meet deductible. $250 imaging copay.

UnitedHealthcare Balance Gold Saver+ – $0 and $35 office visit copays with $50 Urgent Care copay.  Deductible is $2,900 with 20% coinsurance and $8,100 maximum out-of-pocket expenses.   Tiers 1, 2, and 3 dug copays are $5, $15, and $50. Other prescription drugs must meet deductible.

UnitedHealthcare Gold Base Plus – $30 ($0 first three pcp visits) and $40 office visit copays with $50 Urgent Care copay. Deductible is $1,500 with 30% coinsurance and $7,500 maximum out-of-pocket expenses.   Tiers 1, 2, and 3 dug copays are $3, $20, and $50. Other prescription drugs must meet deductible.

UnitedHealthcare Gold Value+ – $20 and $40 office visit copays with $50 Urgent Care copay. Deductible is $1,000 with 30% coinsurance and $7,500 maximum out-of-pocket expenses. Tiers 1, 2, and 3 dug copays are $5, $20, and $50 Other prescription drugs must meet deductible. Lab testing and x-ray copays are $15 and $65.

 

Platinum

Kaiser KP MD Platinum 0/15 Vision – $15 and $20 office visit copays with $20 Urgent Care copay.  Deductible is $0 with $4,000 maximum out-of-pocket expenses. X-rays and diagnostic imaging are subject to a $20 copay, while outpatient lab services are also subject to a $20 copay. A $250 copay applies to imaging services.  Generic drug copay is $5 and preferred brand drug copay is $35. The non-preferred brand drug copay is $55. The specialty drug copay is $150.

 

Sample Monthly Rates (Under Age-65)

40-Year-Old Residing In Baltimore With Household Income Of $36,000

$37 – CareFirst BlueChoice HMO Bronze $8,250

$44 – CareFirst BlueChoice HMO Value Bronze $6,000

$46 – CareFirst BlueChoice HMO HSA Bronze $6,150

$56 – UnitedHealthcare Balance Bronze Saver (HSA)

$56 – UnitedHealthcare Value Bronze

$67 – Kaiser KP MD Bronze 7500/40%/Vision

$72 – Kaiser KP MD Bronze 6900/0%/HSA/Vision

$142 – UnitedHealthcare Gold 3 Free Visits

 

40-Year-Old Married Couple Residing In Baltimore With Household Income Of $58,000

$91 – CareFirst BlueChoice HMO Bronze $8,250

$105 – CareFirst BlueChoice HMO Value Bronze $6,000

$110 – CareFirst BlueChoice HMO HSA Bronze $6,150

$129 – UnitedHealthcare Balance Bronze Saver (HSA)

$129 – UnitedHealthcare Value Bronze

$152 – Kaiser KP MD Bronze 7500/40%/Vision

$161 – Kaiser KP MD Bronze 6900/0%/HSA/Vision

$301 – UnitedHealthcare Gold 3 Free Visits

 

50-Year-Old Residing In Columbia With Household Income Of $40,000

$42 – CareFirst BlueChoice HMO Bronze $8,250

$51 – CareFirst BlueChoice HMO Value Bronze $6,000

$55 – CareFirst BlueChoice HMO HSA Bronze $6,150

$68 – UnitedHealthcare Balance Bronze Saver (HSA)

$68 – UnitedHealthcare Value Bronze

$84 – Kaiser KP MD Bronze 7500/40%/Vision

$90 – Kaiser KP MD Bronze 6900/0%/HSA/Vision

$188 – UnitedHealthcare Gold 3 Free Visits

 

50-Year-Old Married Couple With One Child Residing In Columbia With Household Income Of $80,000

$102 – CareFirst BlueChoice HMO Bronze $8,250

$125 – CareFirst BlueChoice HMO Value Bronze $6,000

$134 – CareFirst BlueChoice HMO HSA Bronze $6,150

$166 – UnitedHealthcare Balance Bronze Saver (HSA)

$166 – UnitedHealthcare Value Bronze

$204 – Kaiser KP MD Bronze 7500/40%/Vision

$220 – Kaiser KP MD Bronze 6900/0%/HSA/Vision

$458 – UnitedHealthcare Gold 3 Free Visits

 

55-Year-Old Residing In Germantown With Household Income Of $45,000

$62 – CareFirst BlueChoice HMO Bronze $8,250

$74 – CareFirst BlueChoice HMO Value Bronze $6,000

$78 – CareFirst BlueChoice HMO HSA Bronze $6,150

$108 – UnitedHealthcare Balance Bronze Saver (HSA)

$108 – UnitedHealthcare Value Bronze

$114 – Kaiser KP MD Bronze 7500/40%/Vision

$123 – Kaiser KP MD Bronze 6900/0%/HSA/Vision

$135 – Kaiser KP MD Bronze Value 6500/55/Vision

 

55-Year-Old Married Couple Residing In Germantown With Household Income Of $70,000

$72 – CareFirst BlueChoice HMO Bronze $8,250

$95 – CareFirst BlueChoice HMO Value Bronze $6,000

$104 – CareFirst BlueChoice HMO HSA Bronze $6,150

$164 – UnitedHealthcare Balance Bronze Saver (HSA)

$164 – UnitedHealthcare Value Bronze

$177- Kaiser KP MD Bronze 7500/40%/Vision

$193 – Kaiser KP MD Bronze 6900/0%/HSA/Vision

$217 – Kaiser KP MD Bronze Value 6500/55/Vision

 

Maryland Senior Supplement Coverage

Medicare Supplement plans are issued by many carriers, and are approved by the DOI. Since original Medicare doesn’t cover 100% of all medical expenses, many copays, deductibles, coinsurance, and other items can be paid for with supplementary plans. Polices are standardized (11 available options), although carriers are not required to offer all plans.  Companies must be approved by the MD Department of Insurance. However, participating companies must offer Plan A, and either Plan C or F. Listed below are estimated monthly rates from selected companies for several plans. Attained Age, and preferred non-tobacco ratings were used.

Plan A Female Age 65

$108 – United American

$108 – National Health

$112 – Philadelphia American

$119 – Elips Life

$123 –  Mutual Of Omaha

$123 – United States Fire

$129 – Lumico Life

$130 – SBLI USA Life

$131 – Sentinel Security Life

$132 – Manhattan Life

$132 – Heartland National Life

$138 – Capitol Life

$141 – Accendo

$149 – Assured Life

$151 – Union Security

$172 – Guarantee Trust Life

$176 – GPM Health

$157 – United Of Omaha

$175 – GPM Health

$205 – Bankers Fidelity Life

$212 – Cigna

$232 – Oxford Life

$241 – Aetna

$261 – Great Southern Life

$605 – CareFirst BCBS

Plan A Male Age 65

$124 – United American

$124 – Philadelphia American

$137 – Heartland National Life

$137 – United States Fire

$140 – Lumico Life

$145 – Capitol Life

$147 – Accendo

$147 – National Health

$150 – SBI USA Life

$150 – Sentinel Security Life

$151 – Union Security

$152 – Manhattan Life

$160 – Assured Life

$172 – Guarantee Trust Life

$178 – United Of Omaha

$202 – GPM Health

$202 – Humana

$205 – Bankers Fidelity Life

$250 – Cigna

$254 – Aetna

$261 – Great Southern Life

$261 – Oxford Life

$268 – AARP-UnitedHealthcare

$607 – CareFirst BCBS

Plan C Female Age 65

$162 – Heartland National

$163 – Colonial Penn

$188 – Atlantic Coast Life

$219 – Humana

$222 – State Farm

Plan C Male Age 65

$178 – Colonial Penn

$186 – Heartland National

$216 – Atlantic Coast Life

$219 – Humana

$240 – State Farm

Plan F (HD) Female Age 65

$30 – FirstCare

$30 – United American

$34 – Globe Life

$40 – Guarantee Trust Life

$41 – Physicians Mutual

$42 – Colonial Penn

$43 – Bankers Fidelity

$48 – Great Southern Life

$49 – Physicians Life

$50 – American National

$53 – United Of Omaha

$53 – National Health

$61 – Humana

Plan F (HD) Male Age 65

$32 – FirstCare

$34 – Globe Life

$35 – United American

$41 – Physicians Mutual

$43 – Bankers Fidelity

$44 – Guarantee Trust Life

$47 – Colonial Penn

$49 – Philadelphia American

$55 – Great Southern Life

$56 – American National

$60 – United Of Omaha

$61 – National Health

$69 – Humana

Plan F Female Age 65

$151 – Thrivent

$157 – Philadelphia American Life

$159 – Equitable National Life

$163 – Cigna

$163 – Western Catholic Union

$164 – Liberty Bankers Life

$165 – Union Security

$166 – Erie

$165 – USAA

$166 – Guarantee Trust Life

$166 – Humana

$167 – American National

$169 – Assured Life

$169 – Reserve National Life

$169 – Shenandoah Life

$170 – Sentinel Security Life

$177 – Transamerica

$178 – FirstCare

$178 – Pan-American Life

$179 – Physicians Mutual

$182 – United American

$183 – Globe Life

$184 – Americo

$187 – Greek Catholic Union

$189 – Loyal Christian Benefit

$194 – First Health Life

$198 – Aetna

$205 – American Retirement Life

$215 – Everence

$221 – Oxford Life

$254 – Colonial Penn

$257 – Gerber

Plan F Male Age 65

$156 – AARP-UnitedHealthcare

$174 – Thrivent

$185 – Cigna

$186 – Guarantee Trust

$189 – Humana

$190 – Union Security

$191 – Greek Catholic Union

$192 – Great Southern Life

$194 – United Of Omaha

$198 – Aetna

$200 – Transamerica

$244 – Americo

$295 – Gerber

$300 – Oxford Life

Plan N Male Age 65

$106 – Aetna

$110 – AARP-UnitedHealthcare

$116 – Thrivent

$117 – Transamerica

$119 – Union Security

$120 – Greek Catholic Union

$121 – Assured Life

$126 – United Of Omaha

$126 – Cigna

$133 – Great Southern Life

$134 – Americo

$136 – Humana

$185 – Oxford Life

Plan N Female Age 65

$92 – Aetna

$93 – Equitable

$101 – Thrivent

$103 – Philadelphia American Life

$104 – Union Security

$104 – United American

$105 – Assured Life

$107 – GPN Health

$108 – Greek Catholic Union

$108 –  Unified Life

$108 – National Health

$108 – Shenandoah Life

$109 – Puritan Life

$109 – Transamerica

$111 – Cigna

$111 – Guarantee Trust Life

$111 – United Of Omaha

$112 – Pan-American Life

$112 – Sentinel Security

$115 – American National

$116 – Americo

$120 – Humana

$123 – FirstCare

$124 – Colonial Penn

$127 – American Retirement Life

 

Maryland Medicare Advantage Plans (Rates, copays, deductibles, and availability vary by county)

Kaiser Permanente Medicare Advantage Liberty – $0 monthly premium.  $0 deductible and maximum out-of-pocket expenses of $6,900. Inpatient hospital copay is $225 for the first 5 days and outpatient hospital copay is $0-200. Office visit copays are $10 and $35, and ER and Urgent Care copays are $90 and $35. $0 copay for diagnostic tests and procedures, $0 copay for lab services, $100 copay for diagnostic radiology services, and $10 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $188 for days 21-100. Occupational, speech, and language therapy copays are $35. The ambulance charge is $250. Hearing exams are subject to a $35 copay. Prescription drug coverage is not included. Dental benefits are included, subject to applicable copays. Summary Rating is 5 Stars.

Kaiser Permanente Medicare Advantage Standard MD  – $25 monthly premium.  $0 deductible and maximum out-of-pocket expenses of $6,900. Inpatient hospital copay is $270 for the first 5 days and the outpatient hospital copay is $0-$250. Office visit copays are $10 and $40, and ER and Urgent Care copays are $90 and $40. $0 copay for diagnostic tests and procedures, $0 copay for lab services, $100 copay for diagnostic radiology services, and $15 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $160 for days 21-100. Occupational, speech, and language therapy copays are $40. The ambulance charge is $275. Foot exams and treatment are subject to a $40 copay, and hearing exams are subject to a $40 copay. Dental benefits are included, although copays are high. Comprehensive dental, eyewear and hearing aids coverage is available for an additional $25 per month.

Prescription drug copays are $3 (Tier 1), $15 (Tier 2), $45 (Tier 3), $100 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are  $9 (Tier 1), $45 (Tier 2), $135 (Tier 3), $300 (Tier 4), and 33% (Tier 5). Summary Rating is 5 Stars.

Kaiser Permanente Medicare Advantage Value MD  – $0 monthly premium.  $0 deductible and maximum out-of-pocket expenses of $7,200. Inpatient hospital copay is $300 for the first 5 days and the outpatient hospital copay is $0-$300. Office visit copays are $10 and $50, and ER and Urgent Care copays are $90 and $50. $0 copay for diagnostic tests and procedures, $0 copay for lab services, $200 copay for diagnostic radiology services, and $20 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $188 for days 21-100. Occupational, speech, and language therapy copays are $40. The ambulance charge is $275. Foot exams and treatment are subject to a $50 copay, and hearing exams are subject to a $50 copay. Dental benefits are included, although copays are high. Comprehensive dental, eyewear and hearing aids coverage is available for an additional $25 per month.

Prescription drug copays are $5 (Tier 1), $15 (Tier 2), $45 (Tier 3), $100 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are  $9 (Tier 1), $45 (Tier 2), $135 (Tier 3), $300 (Tier 4), and 33% (Tier 5). Summary Rating is 5 Stars.

Cigna Preferred Medicare  – $101 monthly premium.  $280 deductible (except Tiers 1 and 2) and maximum out-of-pocket expenses of $7,550. Inpatient hospital copay is $310 for the first 7 days and outpatient hospital copay is $0-$250. Office visit copays are $0 and $40, and ER and Urgent Care copays are $90 and $30. $0-$50 coinsurance for diagnostic tests and procedures, $0 copay for lab services, $0-$150 coinsurance for diagnostic radiology services, and $40 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $188 for days 21-100. Occupational, speech, and language therapy copays are $40. The ambulance charge is $245. Hearing exams are subject to a $40 copay.

Prescription drug copays are $0 (Tier 1), $5 (Tier 2), $42 (Tier 3), $95 (Tier 4), and 28% (Tier 5).  90-day prescription drug copays are $0 (Tier 1), $5 (Tier 2), $126 (Tier 3), $285 (Tier 4), and NA (Tier 5). Summary Rating is 3.5 Stars.

Cigna Preferred Plus Medicare  – $60 monthly premium. $0 deductible (except Tiers 1 and 2) and maximum out-of-pocket expenses of $7,550. Inpatient hospital copay is $360 for the first 5 days and outpatient hospital copay is $0-$400. Office visit copays are $0 and $50, and ER and Urgent Care copays are $90 and $50. $0-$50 coinsurance for diagnostic tests and procedures, $0 copay for lab services, $0-$200 coinsurance for diagnostic radiology services, and $40 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $188 for days 21-100. Occupational, speech, and language therapy copays are $40. The ambulance charge is $230. Hearing exams are subject to a $50 copay.

Prescription drug copays are $0 (Tier 1), $5 (Tier 2), $42 (Tier 3), $95 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are $0 (Tier 1), $10 (Tier 2), $126 (Tier 3), $285 (Tier 4), and NA (Tier 5). Summary Rating is 3.5 Stars.

Cigna  Achieve Medicare  – $81 monthly premium.  $0 deductible (except Tiers 1 and 2). Inpatient hospital copay is $390 for the first 5 days and outpatient hospital copay is $0-$400. Office visit copays are $0 and $45, and ER and Urgent Care copays are $90 and $65. $0-$50 coinsurance for diagnostic tests and procedures, $0 copay for lab services, $0-$250 copay for diagnostic radiology services, and $40 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $188 for days 21-100. Occupational, speech, and language therapy copays are $40. The ambulance charge is $235. Hearing exams are subject to a $45 copay.

Prescription drug copays are $0 (Tier 1), $5 (Tier 2), $42 (Tier 3), $95 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are $0 (Tier 1), $10 (Tier 2), $126 (Tier 3), $285 (Tier 4), and NA (Tier 5). Summary Rating is 3.5 Stars.

Johns Hopkins Advantage MD HMO  – $30 monthly premium.  $0 deductible and maximum out-of-pocket expenses of $7,550. Inpatient hospital copay is $325 for the first 5 days, and outpatient hospital coinsurance is $300 per visit. Office visit copays are $0 and $45, and ER and Urgent Care copays are $90 and $50. 20% coinsurance for diagnostic tests and procedures, $0 copay for lab services, $175 copay for for diagnostic radiology services, and $20 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $160 for days 21-100. Occupational, speech, and language therapy copays are $30. The ambulance charge is $240. Hearing exams are subject to a $50 copay. Routine vision exams have a $0 copay and dental oral exams are subject to a $15 copay.

Prescription drug copays are $0 (Tier 1), $10 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are $0 (Tier 1), $20 (Tier 2), $141 (Tier 3), $300 (Tier 4), and n/a (Tier 5). Summary Rating is 3.5 Stars.

Johns Hopkins Advantage MD PPO  – $100 monthly premium. $0 deductible and maximum out-of-pocket expenses of $7,550. Inpatient hospital copay is $330 for the first 6 days, and outpatient hospital coinsurance is $300 per visit. Office visit copays are $50 and $50, and ER and Urgent Care copays are $90 and $40. 20% coinsurance for diagnostic tests and procedures, $0 copay for lab services, $250 copay for for diagnostic radiology services, and $30 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $160 for days 21-100. Occupational, speech, and language therapy copays are $40. The ambulance charge is $240. Hearing exams are subject to a $50 copay. Routine vision exams have a $0 copay and dental oral exams are subject to a $20 copay.

Prescription drug copays are $4 (Tier 1), $12 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are $8 (Tier 1), $24 (Tier 2), $141 (Tier 3), $300 (Tier 4), and n/a (Tier 5). Summary Rating is 3.5 Stars.

Johns Hopkins Advantage MD Plus  – $130 monthly premium.  $0 deductible and maximum out-of-pocket expenses of $7,550. Inpatient hospital copay is $330 for the first 6 days, and outpatient hospital coinsurance is $300 per visit. Office visit copays are $0 and $40, and ER and Urgent Care copays are $90 and $40. 20% coinsurance for diagnostic tests and procedures, $0 copay for lab services, $250 copay for for diagnostic radiology services, and $30 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $150 for days 21-100. Occupational, speech, and language therapy copays are $30. The ambulance charge is $240. Hearing exams are subject to a $40 copay. Routine vision exams have a $0 copay and dental oral exams are subject to a $15 copay.

Prescription drug copays are $4 (Tier 1), $12 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are  $8 (Tier 1), $24 (Tier 2), $141 (Tier 3), $300 (Tier 4), and n/a (Tier 5). Summary Rating is 3.5 Stars.

Aetna Medicare Connect Plus  – $113 monthly premium.  $0 deductible and maximum out-of-pocket expenses of $6,700. Inpatient hospital copay is $310 for the first 6 days,  and outpatient hospital coinsurance is $50-$250 per visit. Office visit copays are $0 and $50, and ER and Urgent Care copays are $90 and $0-$65. $15 copay for diagnostic tests and procedures, $0-$35 copay for lab services, 20% coinsurance for for diagnostic radiology services, and $35 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $178 for days 21-100. Occupational, speech, and language therapy copays are $15. The ambulance charge is $250. Hearing exams are subject to a $50 copay. Routine vision exams have a $0 copay.

Prescription drug copays are $0 (Tier 1), $10 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are $0 (Tier 1), $25 (Tier 2), $141 (Tier 3), $300 (Tier 4), and n/a (Tier 5). Summary Rating is 3.5 Stars.

Alterwood Advantage Choice  – $37 monthly premium.  $0 deductible and maximum out-of-pocket expenses of $7,550. Inpatient hospital copay is $295 for the first 6 days, and outpatient hospital coinsurance is $250 per visit. Office visit copays are $0 and $35, and ER and Urgent Care copays are $90 and $35. $0 copay for diagnostic tests and procedures, $0 copay for lab services, $195 coinsurance for for diagnostic radiology services, and $20 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $188 for days 21-100. Occupational, speech, and language therapy copays are $35. The ambulance charge is $240. Hearing exams are subject to a $40 copay. Routine vision exams have a $0 copay.

Prescription drug copays are $3 (Tier 1), $8 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 33% (Tier 5).  90-day prescription drug copays are $0 (Tier 1), $8 (Tier 2), $94 (Tier 3), $300 (Tier 4), and n/a (Tier 5). Summary Rating is 3.5 Stars.

HumanaChoice PPO – $68 monthly premium.  $265 deductible and maximum out-of-pocket expenses of $6,700. Inpatient hospital copay is $295 for the first 6 days,  and outpatient hospital coinsurance is $45- $295. Office visit copays are $15 and $45, and ER and Urgent Care copays are $90 and $15-$45. $0-$95 copay for diagnostic tests and procedures, $0-$50 copay for lab services, $45-$275 coinsurance for for diagnostic radiology services, and $15-$105 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $178 for days 21-100. Occupational, speech, and language therapy copays are $15-$40. The ambulance charge is $270. Hearing exams are subject to a $45 copay.

Prescription drug copays are $4 (Tier 1), $12 (Tier 2), $47 (Tier 3), $100 (Tier 4), and 28% (Tier 5).  90-day prescription drug copays are $12 (Tier 1), $36 (Tier 2), $141 (Tier 3), $300 (Tier 4), and n/a (Tier 5). Summary Rating is 4.0 Stars.

Humana Honor PPO – $0 monthly premium and maximum out-of-pocket expenses of $6,700. Inpatient hospital copay is $195 for the first 6 days,  and outpatient hospital coinsurance is $50- $195. Office visit copays are $20 and $50, and ER and Urgent Care copays are $90 and $20-$50. $0-$100 copay for diagnostic tests and procedures, $0-$50 copay for lab services, $50-$275 coinsurance for for diagnostic radiology services, and $20-$110 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $178 for days 21-100. Occupational, speech, and language therapy copays are $10-$40. The ambulance charge is $270. Hearing exams are subject to a $50 copay. Prescription drug coverage is not included. Dental benefits are included. Summary Rating is 4.0 Stars.

Erickson Advantage Liberty With Drugs  – $25 monthly premium.  $250 deductible and maximum out-of-pocket expenses of $6,700. Inpatient hospital copay is $300 for the first 7 days, and outpatient hospital coinsurance is $0-300 per visit. Office visit copays are $20-$30 and $50, and ER and Urgent Care copays are $75 and $30. $0 copay for diagnostic tests and procedures, $10 copay for lab services, $0-$100 copay for for diagnostic radiology services, and $20 copay for outpatient x-rays. Skilled nursing copay is $0 for first 20 days, and $178 for days 21-100. Occupational, speech, and language therapy copays are $40. The ambulance charge is $225. Hearing exams are subject to a $0 copay. Routine vision exams have a $0 copay.

Prescription drug copays are $5 (Tier 1), $20 (Tier 2), $45 (Tier 3), $100 (Tier 4), and 28% (Tier 5).  90-day prescription drug copays are $15 (Tier 1), $60 (Tier 2), $135 (Tier 3), $300 (Tier 4), and n/a (Tier 5). Summary Rating is 4.5 Stars.

 

Maryland Medicare Stand-Alone Part D Prescription Drug Plans – Monthly Cost And Benefits

Humana Walmart Value Rx Plan– $22.70 per month with $480 deductible. 3,184 Formulary drugs available. 30-day preferred pharmacy copays are $1 (Tier 1), $4 (Tier 2), 15% (Tier 3), 41% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $3 (Tier 1), $12 (Tier 2), 15% (Tier 3), 41% (Tier 4), and n/a (Tier 5).

Humana Basic Rx Plan– $35.00 per month with $480 deductible. 3,060 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $1 (Tier 2), 19% (Tier 3), 38% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $3 (Tier 2), 19% (Tier 3), 38% (Tier 4), and n/a (Tier 5).

Humana Premier Rx Plan– $78.90 per month with $480 deductible. 3,242 Formulary drugs available. 30-day preferred pharmacy copays are $1 (Tier 1), $4 (Tier 2), $45 (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $3 (Tier 1), $12 (Tier 2), $135 (Tier 3), 48% (Tier 4), and n/a (Tier 5).

AARP MedicareRx Walgreens $29.30 per month with $310 deductible. 3,150 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $10 (Tier 2), $40 (Tier 3), 40% (Tier 4), and 27% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $30 (Tier 2), $120 (Tier 3), 40% (Tier 4), and n/a (Tier 5).

AARP MedicareRx Saver Plus $40.70 per month with $480 deductible. 3,153 Formulary drugs available. 30-day preferred pharmacy copays are $1 (Tier 1), $9 (Tier 2), $42 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $3 (Tier 1), $27 (Tier 2), $126 (Tier 3), 40% (Tier 4), and n/a (Tier 5).

AARP MedicareRx Preferred $100.60 per month with $0 deductible. 3,562 Formulary drugs available. 30-day preferred pharmacy copays are $5 (Tier 1), $10 (Tier 2), $45 (Tier 3), 40% (Tier 4), and 33% (Tier 5). 90-day preferred pharmacy copays are $15 (Tier 1), $30 (Tier 2), $135 (Tier 3), 40% (Tier 4), and n/a (Tier 5).

SilverScript Choice $30.50 per month with $480 deductible. 3,082 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $5 (Tier 2), 17% (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $15 (Tier 2), 17% (Tier 3), 37% (Tier 4), and n/a (Tier 5).

SilverScript Plus $66.50 per month with $0 deductible. 3,252 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $2 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $0 (Tier 2), $120 (Tier 3), 50% (Tier 4), and n/a (Tier 5).

WellCare Value Script $12.90 per month with $480 deductible. 3,426 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $4 (Tier 2), $42 (Tier 3), 47% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $12 (Tier 2), $126 (Tier 3), 47% (Tier 4), and n/a (Tier 5).

WellCare Classic $31.50 per month with $480 deductible. 3,088 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $9 (Tier 2), $35 (Tier 3), 38% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $27 (Tier 2), $105 (Tier 3), 38% (Tier 4), and n/a (Tier 5).

WellCare Medicare Rx Value Plus $68.90 per month with $0 deductible. 3,440 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $4 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $12 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5).

Cigna Secure-Essential Rx $24.00 per month with $445 deductible. 3,193 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $2 (Tier 2), 18% (Tier 3), 42% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $6 (Tier 2), 18% (Tier 3), 42% (Tier 4), and n/a (Tier 5).

Cigna Secure Rx $27.50 per month with $445 deductible. 3,233 Formulary drugs available. 30-day preferred pharmacy copays are $1 (Tier 1), $2 (Tier 2), $33 (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $3 (Tier 1), $6 (Tier 2), $99 (Tier 3), 50% (Tier 4), and n/a (Tier 5).

Cigna Secure-Extra Rx $57.50 per month with $100 deductible. 3,365 Formulary drugs available. 30-day preferred pharmacy copays are $4 (Tier 1), $10 (Tier 2), $42 (Tier 3), 50% (Tier 4), and 31% (Tier 5). 90-day preferred pharmacy copays are $12 (Tier 1), $30 (Tier 2), $126 (Tier 3), 50% (Tier 4), and n/a (Tier 5).

Mutual Of Omaha Rx Value $23.30per month with $435 deductible. 2,980 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $9 (Tier 2), $42 (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $6 (Tier 2), $75 (Tier 3), n/a (Tier 4), and n/a (Tier 5).

Mutual Of Omaha Rx Plus $51.50 per month with $435 deductible. 3,307 Formulary drugs available. 30-day preferred pharmacy copays are $0 (Tier 1), $9 (Tier 2), $42 (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day preferred pharmacy copays are $0 (Tier 1), $27 (Tier 2), $126 (Tier 3), n/a (Tier 4), and n/a (Tier 5).

Temporary Maryland Medical Plans

Rates and availability vary by county. Shown below are prices and plan options from the largest counties.

Montgomery County (Germantown)  30-Year-Old Male

$39 – $7,500 deductible with $1 million policy maximum benefit (Independence American)

$43 – $5,000 deductible with $1 million policy maximum benefit (Independence American)

$55 – $2,500 deductible with $1 million policy maximum benefit (Independence American)

Prince George County (Bowie)  40-Year-Old Female

$59 – $7,500 deductible with $1 million policy maximum benefit (Independence American)

$65 – $5,000 deductible with $1 million policy maximum benefit (Independence American)

$85 – $2,500 deductible with $1 million policy maximum benefit (Independence American)

Baltimore County (Baltimore)  40-Year-Old Married Couple

$127 – $7,500 deductible with $1 million policy maximum benefit (Independence American)

$156 – $5,000 deductible with $1 million policy maximum benefit (National General)

$184 – $2,500 deductible with $1 million policy maximum benefit (Independence American)

Anne Arundel (Annapolis)  50-Year-Old Married Couple

$227 – $7,500 deductible with $1 million policy maximum benefit (Independence American)

$252 – $5,000 deductible with $1 million policy maximum benefit (Independence American)

$337 – $2,500 deductible with $1 million policy maximum benefit (Independence American)

Impact On Businesses

Small and large business owners may find some attractive options although some company some owners may choose to pay a penalty that costs far less than providing benefits to employees. The employees would then be able to buy policies through the regular Exchange.  The “SHOP” Marketplace is exclusively set up for small business owners and is available all year. Residents over the age of 65 may be eligible for Medicare and possibly a MediGap plan.

A call center and “navigators” may provide some assistance in the application process. However, utilizing more experienced and unbiased brokers (there are no fees) may be the best way to ensure you’re receiving the maximum amount of federal tax subsidy and that you are being made aware of the best plans, both inside and outside of the Exchange.

After you request a quote on our website, we’ll begin researching your best Maryland healthcare options. we truly do the shopping, so you save.

PAST UPDATES:

The Maryland Health Insurance Exchange is in the process of being rebuilt. Last year, consumers experienced numerous problems and delays during the enrollment process. However, Governor O’Malley is confident the improvements will be completed by the time Open Enrollment begins in November at a cost in excess of $35 million.

By September, enough positive change and progress will have to  be recognized by the federal government, who is overseeing the changes. One possible result is that reduced access to all features by the beginning of enrollment may occur.

More than $28 million dollars may have to be returned to the Department of Health and Human Services because of mistakes in Medicaid funding allocation in 2013 and 2014.  However, Maryland’s Exchange Director Carolyn Quattrocki said that the state was in full compliance with Centers for Medicare and Medicaid Services (CMS) guidelines and she disagrees with the findings.

States that created their own Marketplaces are entitled to federal funds based on the number of persons that enroll in either an Exchange plan or Medicaid coverage. Part of the problem could be the closure of the MD Exchange in 2013 due to several glitches and software  issues.

Maryland carriers have submitted their projected 2016 rates to the Department of Insurance. Listed below are the requested increases that would impact plans issued January 1st, 2016 or later.

32.6% – CareFirst Blue Preferred Multi-State Plan

30.1% –  CareFirst BlueChoice Individual

21.9% – CareFirst BlueChoice Plus Individual

10.2% – Aetna HMO Off-Exchange Small Group

10.1% – Aetna PPO Small Group