Baltimore Health Insurance Costs
Average benchmark Silver plan in Baltimore runs $435/month for a 40-year-old before subsidies. After ACA tax credits, most residents pay much less.
Top Baltimore Carriers
We compare every major carrier serving Baltimore ZIP codes in real time.
Major Baltimore Hospitals We Cover
We verify your preferred hospital is in-network before you enroll. Out-of-network bills can be 3-5× higher.
Baltimore Open Enrollment 2027
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Outside that window, Baltimore residents need a qualifying life event to buy or switch a marketplace plan.
| 2027 Open Enrollment | Date |
|---|---|
| Open Enrollment opens | November 1, 2026 |
| Last day to enroll for coverage starting January 1 | December 15, 2026 |
| Open Enrollment closes (coverage starts February 1) | January 15, 2027 |
Baltimore is an independent city, separate from Baltimore County, so it is priced as its own county; plan choices and prices are set by county and ZIP code. Maryland runs its own marketplace, Maryland Health Connection, so you enroll there rather than on HealthCare.gov. The dates above are the standard federal dates; Maryland Health Connection sets its own deadlines, so confirm them on its site or see 2027 deadlines by state.
What changes for Baltimore enrollees in 2027
- Smaller credits, and a cliff at 400%. With the enhanced credits gone, a single adult in Baltimore earning $35,000 is expected to pay about $219/mo toward the benchmark Silver plan in 2027 (credit $216/mo). Earn over $63,840 and there is no credit at all, so at today's $435 benchmark you would pay full price — see what else changed.
- Compare before you renew. If you do nothing you are usually re-enrolled, but CareFirst BlueCross BlueShield and other Baltimore carriers can change premiums, networks and drug lists for 2027. Shop again before December 15, and update your 2027 income estimate so you are not repaying credit at tax time.
- Medicaid: Maryland expanded Medicaid, so adults earning up to 138% of the poverty level — about $22,025 a year for a single adult in 2026 — usually qualify for Medicaid instead of a marketplace plan, and can apply any time of year.
Estimated 2027 tax credit for a single adult in Baltimore
Based on Baltimore's current benchmark Silver estimate of $435/month for a 40-year-old and the IRS 2027 contribution percentages:
| Single adult income | % of poverty level | Your 2027 share | Est. tax credit | Benchmark Silver after credit |
|---|---|---|---|---|
| $25,000 | 157% | 4.63% of income ($96/mo) | $339/mo | $96/mo |
| $35,000 | 219% | 7.51% of income ($219/mo) | $216/mo | $219/mo |
| $45,000 | 282% | 9.66% of income ($362/mo) | $73/mo | $362/mo |
| $55,000 | 345% | 10.22% of income ($468/mo) | $0/mo | $435/mo |
| $65,000 | 407% | No credit above 400% | $0 | $435/mo |
2027 premiums post on November 1, so your exact credit will differ. Ages, household size and ZIP code all change the number — try the subsidy calculator or get an exact quote.
Before you pick a Baltimore plan
- Your hospital: confirm Johns Hopkins Hospital, University of Maryland Medical or MedStar is in the plan's network — networks differ even between plans from the same company.
- Carriers: companies that have sold marketplace plans in Baltimore include CareFirst BlueCross BlueShield, Kaiser Permanente Mid-Atlantic, UnitedHealthcare and Cigna; the 2027 lineup is confirmed when plans post on November 1.
- Total yearly cost: add 12 months of premium to the deductible and copays you expect — use our printable comparison worksheet.
Free help enrolling in Baltimore
A licensed TrustedQuotes agent can compare every Baltimore plan, check your doctors and prescriptions, and estimate your 2027 credit at no cost to you — call (954) 805-7882. If you prefer, free in-person help is listed by Maryland Health Connection.
More for Maryland: Maryland Open Enrollment 2027 Maryland marketplace plans 2027 Open Enrollment guide Health insurance in Annapolis
Baltimore Health Insurance FAQ
When is open enrollment in Baltimore for 2027?
Where do Baltimore residents sign up for 2027 health insurance?
Can I still get a subsidy in Baltimore in 2027?
How much does health insurance cost in Baltimore?
What hospitals are in network in Baltimore?
Who are the top insurance carriers in Baltimore?
Can I get coverage in Baltimore year-round?
Get Your Baltimore Quote Now
60 seconds. No credit card. Real plans, real prices, real licensed expert.