What Maryland Residents Need to Know About Obama Care (the Affordable Care Act or ACA)

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What Maryland Residents Need to Know About Obamacare

Welcome to the fastest way to find out about Obamacare in Maryland.

Here, you'll find clear and accurate information about Obamacare, including:

  • whether or not you must get health insurance
  • what the available plans cover
  • how much coverage will cost
  • how to sign up for a plan, and
  • how to get help if you need it.

To begin, keep in mind these key points about Obamacare in Maryland:

1. You must have health insurance, unless you qualify for an exemption.

The Affordable Care Act requires you to enroll in a health insurance plan unless you qualify for an exemption from the law. You must report whether you have coverage -- or whether you are exempt -- when you file your taxes in April.

To learn whether your current health plan satisfies the requirements of Obamacare or to find out whether you qualify for an exemption, see Do I Need to Get Obamacare in Maryland?

2. Open enrollment for 2017 health insurance plans runs from November 1, 2016 to January 31, 2017.

For 2017 health plans, open enrollment runs from November 1, 2016 through January 31, 2017. During that time, residents of Maryland may use the website Maryland Health Connection to choose their health insurance plan, apply for cost-saving subsidies, and get other help they need.

In Maryland, you can "window shop" and compare plans beginning October 1, 2016.

To get coverage beginning January 1, you must enroll by December 15, 2016.

If you are currently uninsured, you can use the state marketplace to compare plans and enroll in a plan that meets your needs. 

If you already have health insurance, you will be automatically re-enrolled in your existing plan if it is still available. Even if you can continue in the plan you have now, however, open enrollment provides an opportunity to review your coverage, compare plans, and switch to a new one if you find a better option.

To learn more about enrollment, see How Do I Sign Up for Obamacare in Maryland?

3. You may qualify for subsidies that will save you money.

Many people who sign up for insurance at the Maryland exchange will be eligible for cost savings. Savings are available in the form of tax credits to help you lower your premiums or reduce your out-of-pocket costs for care.

If your income is very low, you may qualify for free or low-cost coverage through Medicaid in Maryland.

For more information, see Ways to Save Money on Obamacare in Maryland.

For an overview of how much health care plans cost under Obamacare, see How Much Does Obamacare Cost in Maryland?

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