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PPO Health Insurance in Maryland for 2027: Plans, Networks and Costs
Quick answer: Most marketplace plans in Maryland are HMOs or EPOs. A PPO with a national network is most often found in the private shared-network market.
Why marketplace PPOs are scarce
Guaranteed-issue plans attract the highest-cost members, and broad PPO networks are expensive to run for that group. Carriers like CareFirst BlueCross BlueShield, Kaiser Permanente, and UnitedHealthcare often narrow networks and limit out-of-network benefits.
Where PPOs still exist
Private plans lease national PPO networks such as Cigna, Aetna and PHCS PPO. They typically let you see any in-network specialist without a referral and work across states.
What they cost
In recent quotes for healthy individuals, roughly $290 to $600 a month depending on age and deductible. Family quotes have ranged from roughly $800 to $1,300. Prices change, so use the quoter for live numbers.
Who qualifies
These plans are underwritten, so approval depends on your health. If you have a major pre-existing condition, a marketplace plan is usually the right answer. 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.