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MD Health Insurance

If you’re searching for affordable health insurance in Maryland, you don’t have to look any further. There are various options to consider, whether you need full, short-term, or supplemental coverage. Remember that costs for monthly premiums will depend on your personal health profile.

Here’s a look at a few options for health coverage.

doctor's equipment on a desk

1. Maryland Health Connection

Maryland Health Connection serves as a database for various insurance companies and plans. It’s a smart place to start your search so you know what’s available. If you’ve never purchased health care for yourself or your family before, you’ll want to know which options exist.

There are plans for each level, from bronze to platinum, so you can find one that suits your needs. This marketplace also offers supplemental choices like dental coverage. If you need financial assistance, Maryland Health Connection can help, as well.

2. CareFirst BlueCross BlueShield

BlueCross BlueShield (BCBS) exists throughout the country. Maryland offers BCBS CareFirst, which supplies various plans. This company’s most affordable insurance option might be the BlueChoice HMO Bronze plan. It provides an $8,250 deductible and out-of-pocket maximum — and the monthly premium amounts to around $220 for a 40-year-old.

There are also student health and Medicare plans you might be able to access. If you want a plan from a well-known, reputable insurance company, you should consider BCBS CareFirst. They offer many doctors and facilities within the network, as well.

3. Kaiser Permanente

Kaiser Permanente, or KP, also provides affordable health insurance in Maryland. It’s another high-rated insurance company you can think about for your or your family’s coverage. They supply standard individual and family plans, as well as Medicaid and Medicare for qualifying individuals. Those in Maryland can browse different plan options and apply online.

KP offers the most affordable Silver and Platinum plans in Maryland: the KP MD Silver 3200/20%/HSA/Vision and the KP MD Platinum 0/15/Vision. These plans have typical monthly premiums costing under $400. If you visit the doctor frequently, you should consider them.

It’s much more affordable in the long run to choose higher tiers when you have frequent medical needs. This way, you won’t have an expensive bill every time you leave the doctor or hospital. While your monthly premium might be pricey, you’ll pay fewer out-of-pocket costs.

4. HealthCare.gov

Maryland residents can explore several options on the government’s health insurance marketplace, HealthCare.gov. This website will be a resource you can use to browse various plans at once. Some choices fall under the ACA, otherwise known as the Affordable Care Act or “Obamacare.”

This marketplace offers many affordable picks, like the Balance Gold Free Primary Care plan. It’s an ACA plan that provides a $3,000 deductible and an $8,550 out-of-pocket maximum. If you’re a middle-aged male, you can expect to pay a little more than $300 each month for the premium.

Don’t forget to input your age, location, and more to see more accurate quotes. It’s also possible to explore more affordable options based on your income. There are many ways to cut costs as long as you do a little research.

5. United Healthcare

United Healthcare supplies numerous supplemental health coverage options, from Medicare to critical illness to accidental coverage. If you need extra insurance to patch up any gaps in your primary health care plan, you should think about different United Healthcare possibilities.

These picks are beneficial for other reasons, too. If your employer doesn’t provide vision or dental coverage with your plan, you might want to add a combined United Healthcare plan. Either way, you should consider whether you need supplemental coverage.

There are also short-term coverage choices. Those who need health insurance for only a few months can benefit. This situation usually happens when you lose regular health insurance, so you have to wait until the next enrollment period to qualify.

Explore Affordable Health Insurance in Maryland

It can be tricky to pick the best health care option for you and your family. However, you can choose from various plans that suit your needs. These companies and marketplaces will be a smart way to jumpstart your research for affordable health insurance in your area.