Best health Insurance plans in
Maryland
in 2025

Explore the essential plans information for your state and see how Venteur can help you save money and empower your employees with better benefits through ICHRA.

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Market overview

Health insurance carriers on the marketplace

Plans available on the marketplace

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Plans

Discover the best health plans in Maryland

Silver

HMO

Balanced Pick

315

/mo

Value Silver

Deductible:

In-Network: $4,500 / Out-of-Network: Not Covered

Primary Care Visits:

In-Network: $35 / Out-of-Network: Not Covered

Generic Drugs:

In-Network: $25 / Out-of-Network: $25

Gold

PPO

Great Coverage

509.83

/mo

Value Gold $1,000

Deductible:

In-Network: $1,000 / Out-of-Network: $2,000

Primary Care Visits:

In-Network: $10 / Out-of-Network: 20% after deductible

Generic Drugs:

In-Network: $10 / Out-of-Network: $10

Expanded Bronze

HMO

Great Value

235.52

/mo

UHC Bronze Value Plan

Deductible:

In-Network: $9,200 / Out-of-Network: Not Covered

Primary Care Visits:

In-Network: $35 / Out-of-Network: Not Covered

Generic Drugs:

In-Network: $25 per script / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in Maryland

How it works

Get these plans for my team

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

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Taking down group plans one premium at a time

Venteur

ICHRA magic

Group Plan

Ho-hum

Responsibility taken by the individual market plan

Personalized plan choices

Easy and flexible plan design

Control over premium increases

No minimums for participation

FAQs

You got questions. We got answers!

Am I required to have health insurance in Maryland?

Yes, while there is no federal penalty for not having health insurance under the Affordable Care Act (ACA), Maryland encourages residents to obtain coverage. The state offers various health care plans through the Maryland Health Connection, and residents may qualify for subsidies or Medicaid based on income levels. Having health insurance ensures access to affordable care and protects against high medical costs.

What is the best health insurance plan in Maryland?

The best health insurance plan depends on individual needs, such as budget, coverage requirements, and provider preferences. Through Venteur's platform, employees can choose from top-rated plans like Value Silver or UHC Bronze Virtual Access. These plans are designed to offer flexibility and affordability while meeting diverse healthcare needs. Venteur partners with trusted carriers to ensure access to quality health insurance in Maryland.

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Are there any subsidies available to help with insurance costs in Maryland?

Yes, Maryland residents can access federal and state subsidies to lower their insurance premiums. For example, the state offers a Young Adult Subsidy Program, which provides discounts for individuals aged 18-37 earning up to 400% of the federal poverty level. Additionally, federal tax credits are available through the ACA for eligible households based on income.

What is the state of Medicaid expansion in Maryland?

Maryland has expanded Medicaid under the ACA, allowing low-income adults, including childless adults, to qualify for coverage. The program provides comprehensive benefits and has been instrumental in reducing the uninsured rate in the state. Residents can apply for Medicaid year-round through Maryland Health Connection or local social services offices.

Are there Maryland health insurance resources for residents?

Yes, Maryland offers several resources for residents seeking health insurance. Venteur provides a user-friendly platform where employees can select plans tailored to their needs. Additionally, the Maryland Health Connection serves as the state’s official marketplace for ACA-compliant plans and Medicaid enrollment. Residents can also access assistance through local health departments and social services offices.

Are there premium deductions in Maryland?

Yes, premium deductions are available through programs like Venteur’s Individual Coverage Health Reimbursement Arrangement (ICHRA). Employers can set budgets for employee health benefits, allowing employees to choose plans that suit them while benefiting from tax advantages. Additionally, subsidies and tax credits can reduce out-of-pocket premium costs for eligible individuals.

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