Home › Blog › Health Insurance for Realtors in Maryland: 2027 Guide
Health Insurance for Realtors in Maryland: 2027 Guide
Quick answer: Realtors in Maryland are usually independent contractors, so they buy their own plan. The choice is between Maryland Health Connection and a private PPO, and your income decides which is cheaper.
The income problem
Commission income is uneven, and subsidies depend on your projected annual income. For 2027 the credit ends at 400% of the poverty level, about $63,840 for one person. A strong year can push you over the line. Open enrollment for 2027 marketplace coverage began November 1, 2026. Most HealthCare.gov deadlines are December 15 for a January 1 start and January 15 for the final day, but state marketplaces set their own dates, so confirm yours on marylandhealthconnection.gov.
Marketplace or private?
Under the line, compare marketplace plans first. Over it, or if you want a broad PPO for travel and specialists, compare private plans on Cigna, Aetna and PHCS PPO.
Taxes
Realtors who are independent contractors can generally deduct premiums, up to net profit. If your brokerage offers a group plan, being eligible can affect the deduction. Maryland has a progressive state income tax plus a county income tax, so the self-employed health premium deduction helps at the federal, state and local level.
Plan for cash flow
Pick a deductible you could cover in a slow quarter. Maryland runs its own state-based marketplace, Maryland Health Connection, and limits short-term plans to three months with no renewals. Private options here are narrower than in most states, so the honest answer is usually a careful comparison, not a promise of savings.
See live private-plan pricing or check your options and we will run both markets for you. Prices, carriers and rules change, so treat anything here as a starting point, not a quote.