Health Insurance in Baltimore, MD

Health Insurance Plans Available in Baltimore

Residents of Baltimore, Maryland can shop for ACA marketplace health insurance plans during Open Enrollment (November 1 – January 15 each year) or during a Special Enrollment Period triggered by a qualifying life event such as losing employer coverage, getting married, having a child, or moving. Marketplace plans are available to all legal residents regardless of health history, and premium tax credits may significantly reduce your monthly cost based on household income.

Which carriers sell in Baltimore is set by the plans filed with Maryland Health Connection, and it varies by county and ZIP code; the exchange lists every plan for your address when you shop. Plans are sold in metal tiers from Bronze (lower premium, higher deductible) up through Gold, and Platinum where a carrier offers it.

How Residents in Baltimore Buy Coverage

Maryland does not use HealthCare.gov. Baltimore residents enroll through Maryland Health Connection, the state-based exchange, which publishes its own carrier list and county-level rates each autumn. Deadlines and special enrollment rules can differ from the federal marketplace — confirm current dates on Maryland Health Connection before enrolling.

Major Hospitals in Baltimore

Medicare’s hospital directory lists these acute-care hospitals in Baltimore:

• Greater Baltimore Medical Center
• Johns Hopkins Bayview Medical Center
• Johns Hopkins Hospital, the
• Levindale Hebrew Geriatric Center and Hospital
• MedStar Good Samaritan Hospital
• MedStar Harbor Hospital
• MedStar Union Memorial Hospital
• Mercy Medical Center
• Saint Agnes Hospital
• Sinai Hospital of Baltimore
• Umd Rehabilitation & Orthopaedic Institute
• University of Maryland Medical Center
• University of Maryland Medical Center Midtown Campus

That list says where the hospitals are, not which plans cover them. Network participation differs between plans from the same carrier and changes year to year, so check each hospital in a plan’s own provider directory before you enrol.

Source: CMS Hospital General Information (Care Compare).

Network Types in Baltimore

Which network types are sold in Baltimore depends on the plans filed with Maryland Health Connection for your county; check the plan type on each listing before you enrol.

PPO plans cover in-network providers without referrals and usually pay something out of network. HMO plans generally need a primary-care referral for specialists and pay nothing out of network except in emergencies. EPO plans also pay nothing out of network, but usually need no referral. If you see specialists or use a particular hospital, the network matters more than the plan label.

ACA Subsidies for Baltimore Residents

Premium tax credits are set by household income against the federal poverty level and by the cost of the benchmark plan where you live, so two people with the same income in different counties can receive different credits.

For a single adult in 2026 credits run from about $15,650 up to $62,600 of income, and to $128,600 for a family of four. Above 400% of poverty the credit stops completely — the enhanced rules that removed that cap expired on 31 December 2025.

Baltimore Health Insurance Market Profile

• Population: 569K
• County: Independent City
• Median Household Income: $54,000 (~345% of the 2026 FPL)
• Marketplace: Maryland Health Connection