Maryland Health Insurance
In Maryland, the Maryland Insurance Administration of Baltimore regulates state law regarding health insurance. As in all states, you can get your Maryland health insurance through your employer or through an individual health insurance plan. If you’re exploring your Maryland health insurance needs, it’s important to make sure that you know your rights when it comes to Maryland health insurance law and the availability of affordable health insurance plans within the state.
Maryland Health Care Coverage
One of the most recent breakthroughs in Maryland health insurance occurred in the Spring of 2008 when it became state law that children up to the age of 25 would be covered under their parents’ plans.
Previously, this number had been 19, and if the child is a full-time student, the age limit is increased to 23. A study done by the state showed that one out of every seven or eight Maryland residents aged 21 to 25 were uninsured. Further research showed that these young adults were not uninsured because they wanted to be – the vast majority applied for group health insurance through their employer when it was offered. The problem instead was that these young adults often did not have jobs with benefits and were part-time students or low-income residents and not making enough money to afford good health insurance.
By increasing the age limit to 25, those who want Maryland health insurance have a few extra years to find a job that offers health insurance or save up for coverage. Maryland health insurance can be expensive for individuals, but by age 25, it is estimated that many of the current uninsured young adults will be making enough money to afford it or will have employers who offer it.
Health Insurance Plans in Maryland
A group health insurance plan is when you get your health insurance through your employer. The benefit to this type of plan is that insurers must approve all who apply without discrimination. That’s good news for those who would otherwise be uninsurable.
Luckily, if your employer doesn’t offer health insurance coverage and you’ve been denied traditional coverage, there are a number of state-run plans that might be able to help you. The following are medical insurance programs from the state of MD:
- The Maryland Health Insurance Plan
- Help for Maryland residents who have not been able to attain health insurance through other means (based out of Owings Mills)
- The Maryland Children’s Health Program
- Coverage for low-income children and pregnant women who are not eligible under other programs.
- Maryland Senior Health Insurance Assistance Program
- Information for senior citizens who are uninsured or on Medicare.
- Maryland Medicaid
- A government program for low-income, uninsured Maryland residents
Getting Affordable Health Insurance in Maryland
Getting affordable health insurance in MD is a matter of checking the rates with all plans authorized to do business in the state. You should compare health plans based on the amount of coverage given, premium payments and policy rules. Doing this can be an exhaustive experience… that’s why CheckInsuranceRates.org does the work for you! You can compare insurance rates in real time and for free, without obligation.
To get started simply click the button at the top of this page. Estimated time to complete the form is approximately 3 minutes and 17 seconds.