Before subsidies, the average benchmark silver plan for a 40-year-old in Maryland costs $491 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. Below you'll find how coverage works in Baltimore, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Baltimore
Licensed agents can compare plans available in Baltimore County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Baltimore, MD
| Where to enroll | Maryland Health Connection |
|---|---|
| Average benchmark silver, age 40 (2027) | $491/mo before subsidies |
| Marketplace insurers in Maryland (2027) | 4 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local health care in Baltimore
- Baltimore plan shoppers should confirm network access to Johns Hopkins Medicine (The Johns Hopkins Hospital and Johns Hopkins Bayview) and the University of Maryland Medical System before enrolling. Source
- The Baltimore City Health Department is the local public health agency for Baltimore, which is an independent city rather than part of Baltimore County. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
How to get ready
- Check that the agent's license is active with the state regulator.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in Maryland
Maryland Health Connection Navigators, employed by consumer assistance organizations in every county, provide free in-person enrollment help. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Maryland?
For 2027, marketplace plans in Maryland come from 4 insurers: CareFirst BlueCross BlueShield (BlueChoice + GHMSI/CFMI), Kaiser Permanente, UnitedHealthcare (Optimum Choice) and Wellpoint Maryland. Not every insurer sells in every county.
How much is health insurance in Baltimore?
Before subsidies, the average benchmark silver plan for a 40-year-old in Maryland costs $491 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size. A licensed agent can quote your exact price.
Where can I buy health insurance in Baltimore?
Through the Maryland Health Connection, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Baltimore Highlands, MD 5 miles
- Lansdowne, MD 5 miles
- Rosedale, MD 6 miles
- Arbutus, MD 6 miles
- Brooklyn Park, MD 6 miles
- Towson, MD 6 miles
- Parkville, MD 6 miles
- Overlea, MD 7 miles
- Lochearn, MD 7 miles
- Dundalk, MD 7 miles