Maryland open enrollment 2027 Open enrollment · Maryland

Maryland Open Enrollment 2027 for Marketplace Renewals

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

Short answer

For people renewing a Marketplace plan in Maryland, Maryland Health Connection sets the 2027 open enrollment dates; check its site for this year's deadlines. Before you let the renewal go through, know that a private, medically underwritten plan is another option: 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.

Unless you act, Maryland Health Connection renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Maryland this year

Maryland Health Connection, the state's own exchange, sets Maryland's open enrollment calendar, and its site has the dates for this cycle. The finalized average increase for 2027 is about 14.6 percent. The state adds its own extra help for younger adults, so a renewal for someone under about 35 deserves a second look. Federal and defense contractors between contracts, I-270 biotech consultants and Baltimore small business owners are a big part of who buys coverage here. Above the subsidy line, $86,560 for two, the full premium applies, and Frederick or Annapolis households feel it the same as Bethesda.

One thing to do before you choose

If anyone in your household is a younger adult, look at that person's renewal separately. The state's young adult help can change the math, and a 27-year-old on a family plan might be better off at a different metal level. For everyone else, check whether your 2027 plan kept the same network and drug list. If you are healthy, over the line and between federal contracts, I can quote a private medically underwritten plan alongside your exchange plan. It is not part of Maryland Health Connection, and approval turns on health answers.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with Maryland Health Connection, but pick the 2027 plan yourself instead of auto-renewing.

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.

I'm a Bethesda IT consultant and my 2027 earnings are hard to predict. What do I put down?

Use the figure you expect after business expenses, and update Maryland Health Connection if a new contract changes it. Crossing the line for your household size removes the subsidy entirely, so I often run a conservative and an optimistic estimate with clients. If the optimistic one turns out right, you want a plan you can afford at full price.

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.