Health Insurance in Frederick & Carroll County Area — Maryland, MD — 2026 Plans & Premiums
43 ACA marketplace plans are available in Frederick & Carroll County Area — Maryland, MD, from 4 insurers. The cheapest plan starts at $167.73/month before subsidies.
Insurers price these 2 counties identically, so plan availability and premiums below apply to all of them:
- Carroll County
- Frederick County
43
Plans Available
$167.73
Cheapest Plan/mo
4
Insurers
Maryland Health Connection
Exchange
Insurers Serving Frederick & Carroll County Area — Maryland
Plans Available in Frederick & Carroll County Area — Maryland
Sorted by monthly premium · 30-year-old · Before subsidies
CareFirst BlueChoice, Inc. BlueChoice HMO Young Adult 10600 Virtual Connect Plus
CareFirst BlueChoice, Inc.
$167.73/mo
Ded: $10,600
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. KP MD Catastrophic 10600 Ded/Vision
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
$199.98/mo
Ded: $10,600
Wellpoint Maryland, Inc. Wellpoint Essential Catastrophic (+ Incentives)
Wellpoint Maryland, Inc.
$214.04/mo
Ded: $10,600
Optimum Choice, Inc. UHC Bronze Essential ($0 Virtual Urgent Care)
Optimum Choice, Inc.
$251.45/mo
Ded: $10,600
Optimum Choice, Inc. UHC Bronze Value Plan
Optimum Choice, Inc.
$272.47/mo
Ded: $10,150
Optimum Choice, Inc. UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)
Optimum Choice, Inc.
$282.76/mo
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc. KP MD Bronze 7500 Ded/HSA/Vision
Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
$291.09/mo
Ded: $7,500
Wellpoint Maryland, Inc. Wellpoint Essential Bronze 5500 ($0 Virtual PCP + Incentives)
Wellpoint Maryland, Inc.
$294.48/mo
Ded: $5,500
Average Premiums in Frederick & Carroll County Area — Maryland
Avg Bronze Plan
$305/mo
13 plans
Avg Silver (Subsidy Benchmark)
$422/mo
Eligible for CSR cost reductions
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Compare Maryland's top-rated plans, ranked by official quality scores — Frederick & Carroll County Area — Maryland premiums run differently the statewide picture.
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Compare plansFrequently asked questions about ACA insurance in Maryland
Which counties does this Maryland health insurance page cover?
This page covers 2 Maryland counties: Carroll County, Frederick County. Insurers offer the same plans at the same premiums across all of them, so the 43 plans and $167.73/month starting price shown here apply to every one.
What is the health insurance marketplace in Maryland?
The Maryland (MD) health insurance marketplace is Maryland Health Connection (https://www.marylandhealthconnection.gov/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 43 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Maryland?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Maryland start from $167.73/month before subsidies.
Which Medicaid plan is best in Maryland?
There is no single "best" Medicaid plan in Maryland — Medicaid is administered through MCOs such as CareFirst BlueCross BlueShield, Kaiser Permanente, UnitedHealthcare. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at Maryland Health Connection. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Maryland?
Short-term health insurance is sold outside the ACA Marketplace in Maryland by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Maryland Health Connection during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in MD?
Health insurance in MD starts as low as $167.73/month for a 30-year-old on a Bronze plan before subsidies. Most Maryland residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in MD for 2026?
The cheapest ACA option in MD for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Maryland plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Maryland for ACA plans?
Open Enrollment for Maryland residents runs from November 1 through January 15. Maryland runs its own exchange (Maryland Health Connection), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Maryland?
Bronze-tier plans in Maryland start as low as $167.73/month for a 30-year-old before subsidies. With APTC tax credits, many Maryland residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Maryland use HealthCare.gov or its own state exchange?
Maryland runs its own state-based Marketplace called Maryland Health Connection (https://www.marylandhealthconnection.gov/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Maryland, not the federal government.
Has Maryland expanded Medicaid under the ACA?
Yes. Maryland has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Maryland?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Maryland residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the Maryland Health Connection subsidy calculator for your exact estimate.
What are the metal tiers in Maryland (Bronze, Silver, Gold, Platinum)?
Maryland ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Maryland?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Maryland through Maryland Health Connection. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Maryland ACA plans cover dental and vision?
Maryland ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Maryland plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Maryland Health Connection or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Maryland?
Outside Open Enrollment, Maryland residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Maryland Health Connection.
How do I find in-network doctors and hospitals in Maryland?
Each Maryland ACA plan has its own provider network. Before enrolling, look up the plan on Maryland Health Connection, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Frederick & Carroll County Area — Maryland
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Frederick & Carroll County Area — Maryland compares to the Maryland state average.
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