Maryland open enrollment 2027 Open enrollment · Maryland

Maryland Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line in Maryland, Maryland Health Connection sets the 2027 open enrollment dates; check its site for this year's deadlines. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Maryland is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Maryland this year

Maryland's average 2027 rate increase is a final 14.6%. Coverage is sold through Maryland Health Connection, the state's own exchange, and it publishes its own open enrollment dates, so check there. Households above the 400% line are a large group in this state: federal and defense contractors in Bethesda and Rockville, biotech consultants along I-270, two-income families in Columbia and Annapolis, and established business owners in Baltimore. For a family of four the 2027 line sits at $132,000, and many DC-suburb families clear it with room to spare. Above it, every plan on Maryland Health Connection is full price.

One thing to do before you choose

Federal contract work can end abruptly. If you're between contracts, don't count on a short-term plan; Maryland limits them so tightly they rarely help. Decide now how you'd bridge a gap instead. One option is a special enrollment period on Maryland Health Connection after losing job-based coverage. The other is a private plan that can start at the beginning of a month if approved, priced on age, ZIP code and health and separate from ACA coverage. Knowing your choice ahead of time saves a scramble.

Your checklist

How far above the line your 2027 household income will land
The full-price Maryland premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: Maryland Health Connection must accept you, and below the line the subsidy returns.

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.

Our income could drop below the line if my contract isn't renewed in 2027. How do we handle that?

Estimate the year as you expect it today. If the contract ends and income falls, report the change to Maryland Health Connection so any Marketplace help is recalculated. If you begin the year on a private plan instead, that plan isn't tied to income at all. We can plan for both outcomes now.

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.