- Overview Of Health Insurance In Maryland
- Finding Health Coverage In Maryland
- Maryland Medical Insurance Numbers
- Is Health Insurance Mandatory In Maryland?
Overview Of Health Insurance In Maryland
Maryland, nicknamed the Old Line State after the infamous soldiers who played an integral role in the revolutionary war, is known for its fresh seafood, as the home of the first railroad station, and it’s diverse terrain. As the 7th state to be admitted into the union, Maryland is the 19th most populated state in the country, while only being the 42nd largest in terms of area.
The Old Line State boasts one of the healthiest populations in the country, landing itself at number 16 in the state health rankings. Being one of the healthiest states is definitely an impressive feat, but that doesn’t mean there’s not room for improvement. In fact, every state in the US has room for improvement when it comes to the overall health of the population. So, if you’re looking to take care of yourself and your family, here’s what you need to know.
Finding Health Coverage In Maryland
When you think of healthy living, the first things that come to mind are probably eating right and staying active, which is honestly a good place to start. However, there’s a bit more to healthcare than that, so it’s important.
Healthy insurance plays a key role in helping maintain your overall health, because it gives you access to a variety of medical benefits for little to no cost. Things like preventive services and primary care physicians are readily available, but without health insurance, people tend to stay away for fear of high medical bills. So, if you’re looking to get health insurance in Maryland, here’s how to get started.
Maryland Open Enrollment Dates
Maryland’s Open Enrollment Period is the one time during the year where any individual or family can enroll in marketplace plans without having to worry about being rejected. When the Affordable Care Act (ACA) was passed, states had the choice to run their own marketplace and exchanges, or participate in the federally run marketplace, Maryland chose the first option. Typically, that means Maryland’s marketplace may have a different Open Enrollment Period, but for the time being, it looks like Maryland’s exchange will run through the following dates:
- November 1, 2018 - December 15, 2018
For many, Maryland’s health insurance marketplace will be the best place to start their search. Companies who offer plans through the exchange have to adhere to a certain set of regulations, which includes being prohibited from denying coverage to anyone based on medical history, or even charge more for monthly premiums. So, if you, or anyone on your plan is living with pre-existing or chronic health conditions, this may be your best bet.
Maryland’s health insurance marketplace is also where you want to go if you’re tight on money. Through the state run exchange, residents of the Old Line State have the ability to apply and qualify for government subsidies. Meaning, depending on your income, you may be eligible to have the government subsidized your healthcare costs, which can save you money. This is also where you want to go if you’re looking to apply for Medicaid.
Maryland Health Insurance Quotes
There’s no denying that the Affordable Care Act (Obamacare) put medical insurance within reach for countless Americans who had never been able to afford coverage before. However, for the millions of Americans who didn’t qualify for government subsidies or premium tax credits, the marketplace was not affordable. That’s why there is a growing trend of people turning to the private sector to find plans and policies within their price range.
FirstQuote Health specializes in helping residents find the cheapest and most affordable health insurance quotes in Maryland without compromising quality of coverage. Plans and pricing tends to vary by area, which makes shopping a pain, but FirstQuote Health fixes all that.
By entering your zip code, you’ll be able to compare quotes in your area in just minutes. You’ll even be put in touch with an experienced agent with no obligation, who can help point you in the right direction. So, to get started, enter your zip code, and covered as soon as today.
Coverage From Maryland’s Best Health Insurance Companies
If you’re already happily covered, or have a health insurance company in mind, then why go through the hassle of shopping around? A great way to get covered fast, is by enrolling with one of the best health insurance companies in Maryland. Popular options include the following:
Keep in mind, if you do plan to enroll directly with a health insurance company, there are some disadvantages. For example, without shopping around, you may end up overpaying for your healthcare, and worse, you may end up enrolling in a plan that doesn’t cover all your needs.
Everyone’s healthcare needs are different, so what works for someone else, may not work for you. Just because a company has a reputable name, and a brand you recognize, doesn’t mean it’s right for you. Make sure to do your research by reading reviews online from past and current members to see what they have to say. You can also learn more about different companies by reading up on them through FirstQuote Health.
Maryland Medical Insurance Numbers
Is Health Insurance Mandatory In Maryland?
No, health insurance is no longer mandatory in Maryland starting in 2019, but that may change. When the Affordable Care Act passed, it created the individual mandate. The mandate is a piece of legislation that helped create a larger risk pool by requiring Americans to enroll in health insurance or face a tax penalty. The legislation was supported by proponents of Obamacare, and faced fierce backlash from those who opposed the ACA.
When President Trump took office, he attempted to repeal and replace Obamacare on multiple occasions, but was unsuccessful. So, in a move that surprised no one, he signed an executive order eliminating the individual mandate in an effort to dismantle the ACA. Some states fought back by creating their own versions of the mandate. While Maryland didn’t create their own individual mandate, they are one of the handful of states considering joining suit.