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Cheap Health Insurance in Maryland

Health insurance in Maryland is a necessity even as it’s expensive. We offer you ways to gain comprehensive and inexpensive insurance, putting you at ease.
Cheap Health Insurance in Maryland
A study by the Kaiser Family Foundation stated that an individual Affordable Care Act plan costs $477 per month on average. Yet, your actual costs could vary based on factors outside your control, like age. Here’s what you need to know about cheap health insurance in Maryland.
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Health insurance in Maryland is a necessity even as it’s expensive. A study by the Kaiser Family Foundation stated that an individual Affordable Care Act plan costs $477 per month on average. Yet, your actual costs could vary based on factors outside your control, like age. On the other hand, your monthly expenses will likely be significantly lower if you qualify for a government- or employer-sponsored plan than if you pay for an ACA plan or buy one privately. Here’s what you need to know about cheap health insurance in Maryland.

Top Cheap Health Insurance in Maryland

In 2021, approximately 6.5% of Maryland’s population was uninsured, with most residents receiving insurance through their employers. To help reduce the number of uninsured individuals, we have compiled a list of Maryland’s top affordable health insurance options.

Beem

Beem, a marketplace for insurance, offers many affordable and flexible health insurance plans designed to fit different lifestyles and budgets. Whether you’re looking for short-term coverage, accident insurance, critical illness protection, or dental care, Beem has options to ensure you find the perfect plan.

ProsShort-Term Medical
Flexible coverage from 30 days to a year.
Individual and family options.
Benefits for office visits and urgent care.
Access to large national networks.

Accident Insurance
Helps pay out-of-pocket costs after an accident.
No network restrictions.
Guaranteed coverage for ages 18-64.
No waiting periods. 

Critical Illness
Cash benefits for out-of-pocket costs after diagnosis.
No deductibles or network restrictions.
Lump sum cash benefit up to plan limits.
Four coverage tiers. 

Dental
Preventive and basic services start on day one.
Multiple benefit levels.
No waiting period for preventive care.
Network discounts on both basic and major services.
ConsShort-Term Medical
Limited to short-term needs. 

Accident Insurance
Supplementary to primary health insurance. 

Critical Illness
Limited to specified critical illnesses. 

Dental
Network discounts vary by state.
Monthly CostShort-Term Medical
Varies with coverage and duration. 

Accident Insurance
Depends on the plan. 

Critical Illness
Varies with coverage tier. 

Dental
Depends on the plan. 
Out Of PocketsShort-Term Medical
Includes coinsurance and copays.

Accident Insurance
Fixed benefits for covered services.

Critical Illness
Fixed cash benefits.

Dental
Network discounts on services. 
DeductiblesShort-Term Medical
Wide range available. 

Accident Insurance
None. 

Critical Illness
None. 

Dental
None for preventive care with most plans.

CareFirst BlueChoice

CareFirst BlueCross BlueShield’s Individual Health Plans offer the widest coverage and the largest medical, dental, and vision insurance network in Maryland, Washington, D.C., and Northern Virginia. With access to over one million doctors, hospitals, and health facilities, CareFirst ensures you find the care you need.

ProsExtensive network of providers.
Wide range of insurance options.
24/7 virtual primary care through CloseKnit.
ConsPotentially higher premiums for extensive coverage.
Monthly CostVaries by plan and coverage level.
Out Of PocketsVaries by coverage and services used.
DeductiblesRange from low to high depending on the plan.

Kaiser Permanente

Kaiser Permanente offers a range of metal tier plans (bronze, silver, gold, platinum) on the ACA marketplace, providing more choices for consumers. Known for its superior quality ratings and excellent average deductibles for silver plans, Kaiser Permanente ensures seamless healthcare with its integrated health system.

ProsCompetitive health insurance costs.
Seamless integrated health system.
High-quality marks from the National Committee for Quality Assurance.
Best average ACA plan ratings.
ConsAvailable in only eight states.
Limited provider acceptance in many states.
Higher consumer complaints to state insurance commissioners.
Monthly CostVaries by metal tier and coverage level.
Out of pocketsVaries by plan and services used.
DeductiblesExcellent average deductibles for silver plans.

UnitedHealthcare

UnitedHealthcare is known for its extensive provider network, covering over 1.5 million medical providers and 7,000 hospitals nationwide. With some of the lowest average silver plan deductibles and better-than-average NCQA quality ratings, UnitedHealthcare offers dental, vision, accident, and critical illness plans.

ProsLarge provider network.
Better-than-average NCQA quality ratings.
Wide range of insurance types available.
ConsFewer metal tier options in the ACA marketplace.
Higher health insurance premiums compared to some competitors.
Monthly CostHigher than some competitors.
Out Of PocketsVaries by plan and services used.
DeductiblesLow average deductibles for silver plans.

Maryland Health Connection

Maryland Health Connection offers affordable health insurance options for residents of Maryland. Individuals and families can find coverage that suits their needs and budget with various plans available. However, like any insurance marketplace, there are advantages and drawbacks when choosing a plan.

ProsAffordable options for Maryland residents.
Variety of plans to choose from.
ConsCosts may still be high for some individuals.
Limited options compared to larger insurers.
Monthly CostVaries based on plan selection and eligibility.
Out-Of-PocketsVaries by plan and services used.
DeductiblesDepends on the plan chosen.

Conclusion

Health insurance ensures access to high-quality healthcare in Maryland, but obtaining affordable and comprehensive coverage can be challenging. The insurance marketplace Beem helps you compare various policies and pick the one that suits you the best. Beem guarantees that people can safeguard their health and future without financial hardship.

Read Related Article: Cheap health insurance in Kentucky.

FAQs

Who has the lowest health insurance rates in Maryland?

Maryland’s lowest health insurance rates vary depending on age, location, and coverage needs, but companies like Beem and Maryland Health Connection offer competitive rates.

How to get free health insurance in Maryland?

Depending on income eligibility and other criteria, free health insurance options in Maryland may be available through programs like Medicaid or the Children’s Health Insurance Program.

Which has low deductibles and out of pockets in Maryland?

Plans with low deductibles and out-of-pocket costs in Maryland may include options from CareFirst BlueCross BlueShield, Kaiser Permanente, and UnitedHealthcare, especially for certain metal tiers like silver plans.

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Author

Picture of Raman Gujral

Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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