Maryland health insurance plans

Find a Maryland individual health insurance plan that’s right for you

Looking for individual or family health insurance in Maryland? Whether you’re searching for Affordable Care Act (ACA) insurance or another type of individual insurance plan, you have options. Find a Maryland health care plan that works for you.

Fixed benefit health insurance in Maryland

Health ProtectorGuard fixed indemnity insurance,¹ underwritten by Golden Rule Insurance Company, can ease cost concerns by paying set benefits for covered medical services, like doctor visits, prescriptions and more. Applications are available to submit any time, plus you can keep your coverage year after year.

See fixed benefit insurance plans

UnitedHealthcare Individual & Family ACA Marketplace plans in Maryland

Looking for health care plans on the Affordable Care Act (ACA) Marketplace? UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options from Optimum Choice, Inc.

As part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower — or in some cases $0^2,^3,⁴ — monthly premiums for ACA Marketplace health coverage.

See Individual & Family ACA plans in Maryland

Call 1-800-273-8095 / TTY 711 to talk to a licensed insurance agent.

Supplemental, dental and vision plans in Maryland

Dental plans

Dental insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.⁵ Dental insurance offers coverage for basic dental care, such as general dental screenings and preventive care.

See dental plans in Maryland

Mental health virtual therapy

Unlimited online mental health care without insurance for $59.99 per month with Mental Health Complete Plus, provided by Teladoc Health.

See mental health virtual therapy in Maryland

Accident insurance

Accident insurance (also called supplemental accident insurance or personal accident insurance),¹ underwritten by Golden Rule Insurance Company, offers benefits that help with expenses in the case of an accidental injury.

See accident insurance in Maryland

Critical illness insurance

Critical illness insurance,¹ underwritten by Golden Rule Insurance Company, pays cash benefits to help cover expenses related to qualifying serious illnesses, like cancer, heart-related illness and more.

See critical illness plans in Maryland

Vision plans

Vision insurance, underwritten by Golden Rule Insurance Company, have no age limit restrictions.⁵ These plans can help cover and budget for vision care expenses like routine eye exams, prescription glasses and/or contact lenses.

See vision plans in Maryland

Hospital insurance

Hospital insurance,¹ underwritten by Golden Rule Insurance Company, pays cash benefits in a fixed amount for qualifying hospital stays and related medical costs. These plans can help you stay prepared for unplanned hospital visits due to injury or sickness.

See hospital plans in Maryland

Why choose UnitedHealthcare for health insurance in Maryland

Large network of providers

Access a wide network of doctors, clinics, healthcare professionals and pharmacies.

Find a doctor in Maryland

All types of plans for all types of people

Explore health insurance plans for a range of ages, health care needs and budgets —including Medicare and Medicaid plans.

Complete coverage

Supplemental plans can help you get coverage for care and services that aren’t covered by your medical plan.

Already a member?

Find a doctor

Search our provider directory to find network doctors, dentists, mental health providers and more.

Member resources

Find more ways to use your benefits, take charge of your health and get more out of your UnitedHealthcare plan.

Member sign in

Medicare plans

Health insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation.

Call 1-844-232-1426 to learn more.

Find a Medicare plan

Learn about Medicare plans

Medicaid plans

We offer low cost or no cost health insurance plans for those with limited incomes.

Learn about Medicaid plans in Maryland

Footnotes

THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage defined by the Affordable Care Act (ACA).
The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company, whichever is applicable. By responding to this offer, you agree that a representative may contact you.
To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.
Premium subsidies vary by address and subject to eligibility. Those with incomes between 100% and 150% of the federal poverty level (FPL) may qualify for a zero-dollar premium silver plan (after tax credits). They may also qualify for a zero-dollar premium bronze plan (after tax credits). Cost sharing (deductibles and coinsurance) may be higher.
Primary insured must be 18 years of age or older.

Disclaimers

Individual & Family ACA Marketplace plans — Medical plan coverage offered by Optimum Choice, Inc. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

Product design and availability varies by state. Some benefits have waiting periods.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).

Mental Health Complete Plus is not insurance.

Mental Health Complete Plus by Teladoc Health Disclosure

MENTAL HEALTH COMPLETE PLUS IS NOT HEALTH INSURANCE AND WE ENCOURAGE ALL MEMBERS TO MAINTAIN ADEQUATE INSURANCE FROM A RESPONSIBLE PROVIDER. HEALTHIESTYOU IS DESIGNED TO COMPLEMENT, AND NOT REPLACE THE CARE YOU RECEIVE FROM YOUR PRIMARY CARE PHYSICIAN. MENTAL HEALTH COMPLETE PLUS PHYSICIANS ARE AN INDEPENDENT NETWORK OF DOCTORS WHO ADVISE, DIAGNOSE, AND PRESCRIBE AT THEIR OWN DISCRETION. PHYSICIANS PROVIDE CROSS COVERAGE AND OPERATE SUBJECT TO STATE REGULATIONS. PHYSICIANS IN THE INDEPENDENT NETWORK DO NOT PRESCRIBE DEA CONTROLLED SUBSTANCES, NONTHERAPEUTIC DRUGS AND CERTAIN OTHER DRUGS WHICH MAY BE HARMFUL BECAUSE OF THEIR POTENTIAL FOR ABUSE. HEALTHIESTYOU DOES NOT GUARANTEE THAT A PRESCRIPTION WILL BE WRITTEN.

Mental Health Complete Plus by Teladoc Health and UnitedHealthcare are not affiliated and each entity is responsible for its own contractual and financial obligations.

Mental Health Complete Plus is not insurance and is not associated with any other insurance product for which you are applying.

© 2021 Teladoc, Inc. All rights reserved. Teladoc and the logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.

Mental Health visits are not 24/7/365. Mental Health visits will be scheduled.

Mental Health visits are not available to minors. All Mental Health specialists may not be available in all states.