How Much Does Health Insurance Cost in Maryland?
Maryland pricing is above the national average. Updated for 2026.
Health Insurance Pricing in Maryland
In Maryland, the average cost for health insurance is $518 per month (individual), which is 15% higher than the national average of $450. Most Maryland residents pay between $230 and $920.
Maryland has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within Maryland may be even higher.
Health insurance costs vary based on plan type, coverage level, age, location, and whether you receive subsidies through the ACA marketplace.
Maryland vs National Average
What Affects Health Insurance Cost in Maryland?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
📐 Health Insurance in Maryland Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Health Insurance Pros in Maryland
5 providersElite Home Services
✅ VERIFIEDFirst Choice Home Services
Heritage Restoration
Are You a Health Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for health insurance in Maryland.
💡 Tips to Save on Health Insurance in Maryland
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Maryland Cost Trends (2022–2026)
Prices have increased +17.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $440 | — |
| 2023 | $458 | +4.1% |
| 2024 | $488 | +6.6% |
| 2025 | $502 | +2.9% |
| 2026 | $518 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Maryland
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Health Insurance Cost in Other States
Related Cost Guides for Maryland
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.