Health insurance for medical practices in Maryland
A medical practice in Maryland is usually shopping for two things at once: the owner’s own policy, which pays full price above $62,600 of income this year, and some way to help staff whose median pay in Maryland runs from $45,060 for medical assistants to $69,870 for lpns. These are the Maryland numbers for both.
Your own premium in Maryland
Maryland runs its own marketplace, Maryland Health Connection, so county prices come from the state rather than the federal data this site is built on. The average benchmark Silver plan for a 40-year-old in Maryland costs $414 a month in 2026, and above $62,600 of income for one person, or $128,600 for a family of four, there is no subsidy to bring it down. Insurers have filed an average 13.7% increase for 2027, before regulators sign off.
What you pay as the owner is deductible on Form 7206.
What your staff earn in Maryland, and what an ICHRA has to cover
| Role | Maryland median pay | Most they can be asked to pay, self-only |
|---|---|---|
| Medical assistants (BLS: medical assistants) | $45,060 | $374/mo |
| Medical secretaries (BLS: medical secretaries and administrative assistants) | $46,690 | $388/mo |
| LPNs (BLS: licensed practical and licensed vocational nurses) | $69,870 | $580/mo |
BLS May 2024 medians for employees in Maryland; 9.96% of pay is the 2026 affordability line.
- Medical assistants, $45,060 a year. They can be asked to pay at most $374 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $374 is what an ICHRA has to fill.
- Medical secretaries, $46,690 a year. They can be asked to pay at most $388 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $388 is what an ICHRA has to fill.
- LPNs, $69,870 a year. They can be asked to pay at most $580 a month for self-only coverage; whatever the lowest-cost Silver in their area costs above $580 is what an ICHRA has to fill.
What a QSEHRA covers in Maryland
The 2026 ceiling is $6,450 a year self-only, or $537.50 a month — more than all of Maryland’s $414 benchmark for a 40-year-old. The $13,100 family ceiling, about $1,092 a month, goes further only where family premiums are lower than average.
Who a medical practice can and cannot cover
Clinicians paid as 1099 contractors cannot be on the practice’s QSEHRA or ICHRA; W-2 clinicians and office staff can. The full rules for medical practices cover partners, 2% shareholders and contractors in detail.
Sources: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024; KFF, Marketplace Average Benchmark Premiums, 2026; IRS Publication 15-B (2026), Employer’s Tax Guide to Fringe Benefits; HealthCare.gov, CHOICE Arrangements (formerly individual coverage HRAs).
Questions owners ask
How much does health insurance cost the owner of a medical practice in Maryland?
About $414 a month for a 40-year-old on the average benchmark Silver in Maryland in 2026, with no subsidy above $62,600 of income for one person or $128,600 for a family of four.
Can a medical practice in Maryland reimburse staff for individual health insurance?
Yes, through a QSEHRA (up to $6,450 self-only in 2026) or an ICHRA with no cap; the employer sets the amount by class of employee, and it has to clear the 2026 affordability test for each employee.