Best Cheap Health Insurance in Maryland (2024)

The cheapest Silver health insurance plan in Maryland is UnitedHealthcare's Silver Copay Focus plan, which costs $342 per month.

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UnitedHealthcare (UHC) has the cheapest health insurance in every county in Maryland for Bronze, Silver and Gold tiers of coverage. UHC's Silver Copay Focus costs $342 per month and is a good choice for most people. It has a $0 deductible, which means your full medical benefits begin right away.

The average cost of health insurance in Maryland is $384 per month for a 40-year-old buying a Silver plan.

Cheapest health insurance companies in Maryland

CareFirst, a Blue Cross Blue Shield affiliate, is the most popular health insurance company in Maryland. This means more doctors may accept the insurance, giving you flexibility about where you get medical care.

How much does health insurance cost in Maryland?

The average cost of health insurance in Maryland is $384 per month for a 40-year-old buying a Silver plan. But average rates for Silver plans range from $300 to $814, depending on age.

Health insurance costs in Maryland

A 40-year-old pays about 28% more for a Silver health insurance plan than a 21-year-old in Maryland, which comes out to $84 more per month. The jump in monthly cost is even larger as you get older. A 60-year-old pays more than twice as much as a 40-year-old.

Cheapest health insurance in Maryland

UnitedHealthcare has the cheapest health insurance plans for the Bronze, Silver and Gold tiers of coverage. These cheap plans are available throughout Maryland.

Cheapest plan
Monthly cost
Bronze UnitedHealthcare Bronze Value Plan $256
Silver UnitedHealthcare Silver Copay Focus $342
Gold UnitedHealthcare Gold Copay Focus $336
Platinum Kaiser Permanente MD Platinum 0/15/Vision $429

Monthly costs are for a 40-year-old.

Kaiser Permanente is the cheapest, and only, option for Platinum health insurance in Maryland.

If you do not currently have insurance through your job, you can get cheap health insurance in Maryland through the state health insurance exchange, called Maryland Health Connection, or through the Medicaid program.

Even if you choose a low-cost health insurance plan, you'll usually pay more as you get older. But your rates aren't affected by your health status or having a medical condition such as cancer or diabetes.

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All metal tier plans on the Maryland marketplace are eligible for health insurance subsidies, which lower your costs based on your income. You might get health insurance in Maryland for as little as $10 per month because of your income.

Finding your best health insurance coverage in Maryland

The best health insurance for you will depend on your medical needs.

The rule of thumb is that those who need expensive or ongoing medical care tend to get the best deal with a high-coverage plan that pays for a larger portion of medical expenses. Someone young or healthy will usually save by getting a cheap, lower-tier plan, even if it means paying more for health care when they need it.

Gold and Platinum: Best if you have high medical costs

Gold and Platinum are the highest tiers offered in Maryland. These plans are expensive, but they can be cost-effective plans for people with high medical bills.

For example, the lower cap on your medical expenses can save you thousands of dollars if you are managing a chronic illness, need surgery or expect to have a baby.

Silver: Best for most people

Silver plans are the best option in many situations because they tend to have modest monthly costs, deductibles and out-of-pocket maximums. This means they balance how much you pay for medical care with how much you pay for a plan.

If you have a low income, the cost of medical care with Silver plans can be made cheaper with cost-sharing reductions.

Bronze: Best if you are young and healthy

Bronze metal tier plans are the cheapest policies offered in Maryland. The plans have high deductibles, which means you'll pay for most of your medical care yourself before the plan's full benefits kick in.

Bronze plans will still protect you from very high costs, such as the cost of surgery. You'll also have free preventive care.

Medicaid: Best if you have a low income

Maryland's Medicaid program provides free to low-cost health insurance for those who have a low income or meet other Medicaid eligibility criteria.

Maryland has expanded its Medicaid, which means you could be eligible if you earn about $20,000 or less or if you're in a family of four earning about $41,000 or less.

Did health insurance rates go up in Maryland?

The cost of health insurance in Maryland increased by an average of 3% in 2024.

Rates stayed consistent for Silver plans. However, all other tiers of coverage have higher costs.

Change (2023 to 2024)

Monthly costs are for a 40-year-old.

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The best way to protect yourself from increasing rates is to compare coverage options each year. Plan options change annually, and your health needs can change too. Shopping for a new plan can help you choose the cheapest option for your situation.

Best cheap health insurance in Maryland

Kaiser Permanente is the best-rated health insurance company in Maryland because of its high customer satisfaction and affordable prices.

Kaiser Permanente logo
UnitedHealthcare logo
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Average monthly costs are for a 40-year-old buying a Silver plan in MD. Ratings are based on editor reviews of the companies.

UnitedHealthcare is another great choice in Maryland because it has the cheapest rates in the state and strong reviews while also providing valuable benefits like telehealth and free insulin.

CareFirst has two subsidiaries in Maryland. HMO plans are sold under the CareFirst BlueChoice name, while PPO plans are sold by CareFirst.

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Where you live determines your health insurance options. UnitedHealthcare, Aetna and CareFirst are available throughout Maryland. However, Kaiser Permanente is only available in Baltimore and central Maryland.

Cheapest health insurance plan by Maryland county

In each county in Maryland, the cheapest Silver plan is UnitedHealthcare's Silver Copay Focus, costing $342 per month for a 40-year-old before subsidies. So whether you live in Baltimore or Silver Spring, this cheap plan is available.

Cheapest Silver health insurance by MD county

Cheapest Silver plan
Monthly rate
Allegany CountyUHC Silver Copay Focus$342
Anne Arundel CountyUHC Silver Copay Focus$342
Baltimore cityUHC Silver Copay Focus$342
Baltimore CountyUHC Silver Copay Focus$342
Calvert CountyUHC Silver Copay Focus$342
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Monthly rates are for a 40-year-old.

Short-term health insurance in Maryland

In Maryland, you can buy short-term health insurance plans directly through private companies.

Maryland has restrictions on short-term policies including limiting coverage to three months and prohibiting renewals, so you can't have them for longer periods of time.

You may want to consider short-term health insurance if you missed open enrollment or lost employer-sponsored coverage. However, it is important to note that short-term policies often do not cover the essential benefits like marketplace plans do.

Frequently asked questions

How much is health insurance in Maryland?

A 40-year-old in Maryland will pay an average of $291 per month for a Bronze plan and $384 per month for a Silver plan.

What is the best health insurance in Maryland?

Kaiser Permanente is the best health insurance company in Maryland based on its high customer satisfaction, few complaints and affordability. UnitedHealthcare is both cheap and well rated, making it another good option.

What is Obamacare called in Maryland?

In Maryland, you can buy an Obamacare health insurance plan through Maryland Health Connection. The average cost of Obamacare in Maryland is $384 per month for a 40-year-old buying a Silver plan. But your health insurance costs are discounted based on your income.

Who is eligible for the Affordable Care Act in Maryland?

Anyone can enroll in a health insurance plan on Maryland's Affordable Care Act marketplace, Maryland Health Connection. However, you're typically only eligible for health insurance discounts if you earn less than $54,320 as an individual or $120,000 as a family of four.


ValuePenguin gathered information about 2024 health insurance in Maryland from the state health insurance exchange. Using the premiums, our experts averaged the data and found the cheapest options for a variety of variables such as metal tier, age and county.

Health insurance ratings are based on editor reviews. Company enrollment is from S&P Global's Statutory Market Share data on group and individual health insurance, excluding Medicare and Medicaid.

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.