Maryland open enrollment 2027 Open enrollment · Maryland

Maryland Open Enrollment 2027 for Families

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For families buying their own coverage in Maryland, Maryland Health Connection sets the 2027 open enrollment dates; check its site for this year's deadlines. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.

What 2027 looks like for you

Maryland's average 2027 rate change is 14.6% (finalized). The details are on the Maryland 2027 premium increase page.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Maryland parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Maryland this year

Maryland families renew through Maryland Health Connection, the state exchange, and it sets the enrollment dates, so plan around its calendar. Final 2027 rates are up about 14.6 percent, roughly the national pace, even with a long-running state reinsurance program holding premiums down. Networks in Baltimore, Columbia and the DC suburbs look nothing like those on the Eastern Shore or in western Maryland. Maryland has also offered state-funded premium help for some young adults in past years, which may matter if a grown child in your household buys separately. Past $109,280 for a three-person household, the federal subsidy disappears.

One thing to do before you choose

Montgomery and Prince George's County parents often take children to doctors in DC or Northern Virginia, and Eastern Shore families may use Delaware hospitals. Look each provider up in the plan directories for next year before you choose. If a parent works as a federal contractor and loses job-based coverage between contracts, remember that this opens a 60-day special enrollment period, so the family need not go uninsured.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: Maryland Health Connection accepts everyone, and the subsidy grows with household size.

Compare Maryland plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Maryland. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

Who sets Maryland's 2027 open enrollment deadline?

Maryland Health Connection, Maryland's own exchange. Check its site for this year's dates before you plan around them.

Does Maryland have its own programs that help families above the federal subsidy line?

Maryland has offered state-funded premium help for some young adults and other groups in past years. Programs change, so check Maryland Health Connection for what is available for 2027. If none fits, I can compare private family plans, which are sold outside the Marketplace and accepted or declined based on a health review.

Can I get a private plan in Maryland after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Maryland

Official source: Maryland Health Connection: special enrollment. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Maryland and 30 other states, NPN 21032307. Last updated November 3, 2026.