How Much Does Health Insurance Cost in Maryland? (2026)

Average Health Insurance Premiums in Maryland (2026)

The following estimates show typical unsubsidized monthly premiums for a 40-year-old single adult in Maryland in 2026. Actual costs vary significantly by ZIP code, age, and plan choice:

• Bronze HDHP: approximately $80“$182/month
• Bronze (standard): approximately $165“$315/month
• Silver: approximately $390“$600/month (lower end)
• Gold: approximately $390“$600/month (upper end)

Premiums increase with age and household size. Younger adults (20s, early 30s) pay less; adults in their 50s and early 60s pay significantly more. Tobacco users pay a surcharge in most states.

Maryland expanded Medicaid in 2014 and runs its own state marketplace (Maryland Health Connection). Kaiser Permanente operates integrated facilities throughout the Baltimore-DC corridor.

How ACA Subsidies Reduce Your Premium in Maryland

If your household income falls between 100% and 400% of the federal poverty level (roughly $15,650–$62,600 for a single adult in 2026), you qualify for ACA premium tax credits that directly reduce your monthly premium. The subsidy is calculated as the difference between your benchmark Silver plan premium and a capped percentage of your income.

At income levels below 250% FPL, you also qualify for cost-sharing reductions (CSR) on Silver plans that reduce deductibles, copays, and out-of-pocket maximums significantly.

Carriers in Maryland (2026)

Marketplace carriers in Maryland include: CareFirst BCBS, Kaiser Permanente, Aetna, Cigna, UnitedHealthcare. The dominant carrier in most Maryland counties is CareFirst BlueCross BlueShield. Plan availability varies by county — check healthcare.gov for exact options in your ZIP code.

Maryland Medicaid (HealthChoice): Free or Low-Cost Coverage in Maryland

Maryland Medicaid (HealthChoice) covers adults earning up to 138% FPL. Apply at marylandhealthconnection.gov.