Testing tables
Best and cheapest health insurance in Maryland
VTOC option
List option
- Want the best company? UnitedHealthcare, $403/mo
- Need the cheapest rates? Wellpoint, $437/mo
- Placeholder UnitedHealthcare, $403/mo
Cheapest health insurance companies in Maryland
Affordable health insurance in Maryland
Company |
Cost
| |
|---|---|---|
| UnitedHealthcare | $403-$415 | |
| Kaiser Permanente | $415-$467 | |
| Wellpoint | $437-$459 | |
| CareFirst BlueChoice | $446-$493 | |
| CareFirst BCBS | $659-$663 | |
Monthly rates are a range of the cheapest to most expensive Silver plans available from each company. Plan options depend on where you live. Rates are for a 40-year-old and represent the price for a plan before discounts.
Data-powered research on Maryland health insurance
Best health insurance companies in Maryland
Best-rated health insurance companies in MD
Company |
ACA rating
|
VP rating
|
|---|---|---|
| Kaiser Permanente | N/A | 4.0/5
Star Fill
|
| Wellpoint | N/A | 3.5/5
Star Fill
|
| UnitedHealthcare | N/A | 2.5/5
Star Fill
|
| CareFirst BlueChoice | N/A | 2.5/5
Star Fill
|
| CareFirst BCBS | N/A | 2.5/5
Star Fill
|
ValuePenguin chose the best companies after reviewing ACA ratings from HealthCare.gov and state marketplaces. However, hte best company for your specific situation depends on where you live, your budget and your medical needs. Comparing plans helps you find the best company for you.
Are health insurance rates going up in MD in 2027?
With Bronze 5yr
Plan tier |
1-year change
|
5-year change
|
|---|---|---|
| Bronze | 0.0% | 28% |
| Silver | -0.1% | 31% |
| Gold | 0.0% | 31% |
| Platinum | 0.1% | 42% |
Monthly rates are the average of each plan tier for a 40-year-old. Your rates will depend on where you live in the state and what company you choose.
Without Bronze 5yr
Plan tier |
1-year change
|
5-year change
|
|---|---|---|
| Catastrophic | -100.0% | -100% |
| Bronze | -100.0% | N/A |
| Silver | -100.0% | -100% |
| Gold | -100.0% | -100% |
Monthly rates are the average of each plan tier for a 40-year-old. Your rates will depend on where you live in the state and what company you choose. The 5-year rate change for Bronze plans is not available due to methodology change.
Family section
Family size | Average monthly cost |
|---|---|
| Individual | $480 |
Averages based on a Silver plan for 40-year-old adults and children who are under age 15.
Enrollment by income
Income | % of total enrollment |
|---|---|
| Less than $15,060 | 5% |
| $15,060 to $20,783 | 5% |
| $20,784 to $22,590 | 9% |
| $22,591 to $30,120 | 23% |
| $30,121 to $37,650 | 14% |
| $37,651 to $45,180 | 9% |
| $45,181 to $60,240 | 10% |
| $60,241 to $75,300 | 3% |
| $75,301 or more | 3% |
| Other/Unknown | 19% |
Enrollment in 2026 marketplace plans made during the 2025-2026 Open Enrollment period. Total may not be 100% due to rounding
Cheapest health insurance plans by MD county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Allegany | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Anne Arundel | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Baltimore | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Baltimore City | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Calvert | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Caroline | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Carroll | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Cecil | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Charles | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Dorchester | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Frederick | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Garrett | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Harford | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Howard | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Kent | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Montgomery | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Prince Georges | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Queen Annes | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Saint Marys | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Somerset | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Talbot | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Washington | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Wicomico | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
| Worcester | UnitedHealthcare UHC Silver ($0 Virtual Urgent Care) | $403 |
Cheapest Silver plan with rates for a 40-year-old
About the Author
Analyst
Stephanie Guinan is an Analyst for ValuePenguin/LendingTree. She specializes in simplifying complex insurance topics for consumers.
She’s also worked as an award-winning data journalist and content marketing writer. Stephanie’s work has been cited by Wall Street Journal, New York Times, Rolling Stone and more.
Expertise
- Health insurance and Medicare
- Home and auto insurance
- Crunching numbers
Referenced by
- Wall Street Journal
- New York Times
- Rolling Stone
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
