Maryland open enrollment 2027 Open enrollment · Maryland

Maryland Open Enrollment 2027 for Individuals

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

Short answer

For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

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.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Maryland this year

Marylanders renew through Maryland Health Connection, the state's own exchange, and a long-running reinsurance program keeps full-price premiums lower than they would otherwise be. Even so, final 2027 premiums are up about 14.6 percent, roughly in line with the national figure. Maryland also offers a state subsidy for younger adults on top of federal help, which makes the exchange worth a careful look for anyone in their twenties or early thirties. Networks in Baltimore and the DC suburbs differ from those on the Eastern Shore and in western Maryland. Federal help ends above $63,840 for a one-person household.

One thing to do before you choose

If you are in your twenties or early thirties and renting in Baltimore or Silver Spring, apply through Maryland Health Connection rather than going straight to an insurer, because the state's added help for younger adults runs through the exchange. Then check networks: Montgomery and Prince George's residents often see doctors in DC or Northern Virginia, and a 2027 plan may not reach across those lines.

Your checklist

Each plan's network type in your Maryland ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: Maryland Health Connection must accept you, and the subsidy can lower the price.

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.

My federal contract ends in March and the job plan goes with it. Must I wait until next fall?

No. When work coverage ends, you generally get 60 days to pick a new plan, so a gap in work need not mean a gap in coverage. Apply through Maryland Health Connection when the contract ends. If you left a small employer, Maryland's continuation law may also let you hold on to that coverage for a year and a half.

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.