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How Much Does Health Insurance Cost in Maryland in 2027?
Quick answer: For 2027, what you pay in Maryland depends mostly on one thing: whether your income qualifies you for a marketplace subsidy. With a subsidy, the net cost can be a few hundred dollars a month or less. Without one, a healthy adult is often looking at several hundred dollars a month, and a family can pay well over $1,000.
Why 2027 is different
The enhanced premium tax credits expired after 2025. The original rules are back: subsidies run from 100% to 400% of the federal poverty level, and above that line the credit drops to zero. Based on the 2026 poverty guidelines used for 2027 coverage, 400% is about $63,840 for one person and about $132,000 for a family of four. Confirm your number on marylandhealthconnection.gov. 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 prices in Maryland
Under the line, Maryland Health Connection applies a premium tax credit and caps what you pay as a share of income. Over the line, you pay full price for plans from carriers like CareFirst BlueCross BlueShield, Kaiser Permanente, and UnitedHealthcare. Full-price plans commonly run several hundred dollars a month for one healthy adult and well over $1,000 for a family.
Private plan prices in Maryland
Private shared-network plans are priced on age and health, not income. In recent quotes for healthy individuals on Cigna, Aetna and PHCS PPO networks, we have seen roughly $290 to $460 a month at age 30, $360 to $520 at 45 and $430 to $600 at 60. Family quotes have ranged from roughly $800 to $1,300 a month depending on ages, health and deductible. These plans use a short health questionnaire and are not guaranteed-issue.
What moves the number
Age, tobacco use, who is on the plan, the deductible you pick and, for marketplace plans only, your income. 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.
In Maryland
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.
Bottom line
If you qualify for a subsidy, compare marketplace plans first. If you do not and you are generally healthy, a private PPO often costs less than full-price marketplace coverage. If you have a serious pre-existing condition, the marketplace is usually the safer choice.
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.