2025 Open Enrollment Dates in Maryland
The standard ACA open enrollment window runs November 1 – January 15 each year for coverage starting the following January 1 (or February 1 for January 15 sign-ups). Maryland residents use marylandhealthconnection.gov.
| Event | Date |
|---|---|
| Open Enrollment Opens | November 1, 2025 |
| Enroll by for Jan 1 coverage | December 15, 2025 |
| Open Enrollment Closes | January 15, 2026 |
| Special Enrollment (year-round) | After qualifying life event |
ACA Plans Available in Maryland
These carriers sold ACA-compliant individual/family plans in Maryland for 2025. Availability varies by county:
| Carrier | Metal Tiers | Coverage Area |
|---|---|---|
| CareFirst BCBS | Bronze, Silver, Gold | statewide |
| Kaiser Permanente | Bronze, Silver, Gold | statewide |
Premium Estimates by Metal Tier (Monthly, Age 40, Individual)
| Metal Tier | Avg Premium | Deductible | Out-of-Pocket Max | Best For |
|---|---|---|---|---|
| Bronze | ~$320–$480 | $7,000–$9,450 | $9,450 | Healthy, rarely use care |
| Silver | ~$420–$580 | $3,000–$6,000 | $9,450 | Moderate use; CSR subsidies here |
| Gold | ~$520–$700 | $500–$2,000 | $6,000–$8,700 | Frequent care, prescriptions |
| Platinum | ~$650–$900 | $0–$500 | $4,000–$6,350 | Chronic conditions, high utilizers |
Actual premiums depend on age, ZIP code, tobacco status, and plan selection. A broker can pull exact quotes in minutes.
ACA Subsidies in Maryland
Premium tax credits reduce your monthly cost. Cost-sharing reductions (CSR) lower your deductible and out-of-pocket max—but only on Silver plans.
| Household Income (% FPL) | Premium Tax Credit | CSR (Silver Only) |
|---|---|---|
| 100–138% (~$15K–$20.7K) | Largest credits | Maximum CSR (94% actuarial) |
| 139–200% (~$20.7K–$30K) | Large credits | Strong CSR (87% actuarial) |
| 201–250% (~$30K–$37.5K) | Moderate credits | CSR (73% actuarial) |
| 251–400% (~$37.5K–$60K) | Some credits | None |
| 400%+ ($60K+) | Possible (no cap thru 2025) | None |
Medicaid in Maryland
Maryland expanded Medicaid under the ACA. Adults earning up to 138% FPL ($20,783/yr for an individual in 2025) qualify for Medicaid—you may not need a marketplace plan.