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Obamacare in Maryland

Obamacare has been a huge success in Maryland, where 120,145 consumers were enrolled as of this year. Of that group, 71 percent of Maryland consumers are able to get tax credits through the Health Insurance Marketplace. One of the biggest benefits of the Affordable Care Act is how accessible health insurance has become for many consumers in Maryland. Previously, applicants were denied coverage based on their income level, or because they were considered too high of a risk due to previous health issues. Under Obamacare, these consumers are now able to receive much needed assistance with their insurance. More information about the Affordable Care Act is covered in the following sections:

  • Did Maryland accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Maryland?
  • Eligibility for Obamacare in Maryland
  • How to apply for Obamacare in Maryland
  • Health plan cost and availability in Maryland

Did Maryland Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion and how does it affect residents in Maryland? One of the main features of Obamacare is the Affordable Care Act Medicaid expansion, which more than 30 states have currently adopted, including Maryland. The Obamacare Medicaid expansion will go into effect in the state this year.

What is the expansion of Medicaid? The main purpose of the Medicaid expansion is to make Medicaid available to low-income families or individuals that in the past would not have been able to afford any type of coverage. Anyone that makes under 133 percent of the federal poverty limit is eligible for expanded Medicaid coverage. This might seem like an extreme limit, but it is actually applicable for many beneficiaries, especially those with larger families. For example, many families of four are eligible for expanded Medicaid coverage if only one parent is actively working full-time.

One initial concern was that the ACA Medicaid expansion cost to states would be a problem. Critics believed that, in order to support expanded coverage, the states would have to raise taxes or move funds from other areas to cover these additional costs. One of the ways that the government balanced this was by providing the initial funds. Maryland has received over $7 million just to help keep premiums from increasing due to the expanded coverage. In addition, the government provides additional funds to support health centers and train agents to help applicants fill out the Obamacare Medicaid application in Maryland. Those agents can also help to determine Obamacare Medicaid eligibility in MD, all without having to charge applicants for the service. Agents can also help to explain Obamacare Medicaid expansion details for anyone that wants a more in-depth look into the program.

Does the state or federal government run the health insurance exchange in Massachusetts?

Candidates in Maryland may ask, “What is the marketplace for health insurance? The Obamacare health insurance exchange in Maryland is where consumers are able to get their insurance plans. In regards to the question, “What is the health insurance exchange?” it is a listing of all the insurance plans that are in the area. The Obamacare healthcare marketplace uses the information that applicants submit to find them the best possible plan. The marketplace will also help MD applicants find out what kind of discounts or other benefits they might be eligible for.

Regarding the Obamacare health insurance exchange, states are given two options for running it. Either the state lets the federal government run things entirely, or the state can manage its own marketplace. Maryland chooses to run its own health insurance exchange, known as the Maryland Health Connection. The main difference is that applicants have to sign onto the Maryland Health Connection website instead of using the federal website that most other states use. In any case, Maryland still has to adhere to health insurance exchange regulations just like the federally run exchanges. Also, the federal government still provides funding to help train agents, sometimes referred to as negotiators, which helps potential beneficiaries with their applications.

Eligibility for Obamacare in Maryland

The next logical questions for applicants to ask are, “Who is eligible for Obamacare, and “What are the requirements to apply for Obamacare in Maryland?” One of the main goals of the Affordable Care Act was to eliminate strict eligibility requirements. Obamacare coverage eligibility requirements are practically nonexistent because of this. To be more specific, how to qualify for Obamacare just involves being a legal United States citizen and a resident in your state. The only applicants that are ineligible for Obamacare are those who are incarcerated.

In any case, Obamacare income requirements are not a factor when determining eligibility. Some applicants might be confused, since the application does ask for income information. However, income is only used to determine if a candidate is eligible for financial assistance and tax credits.

How to Apply for Obamacare in Maryland

When trying to decide where to apply for Obamacare, MD applicants may apply online, by phone or in person. A common question is, “Can I apply online for Obamacare in Maryland?” When it comes to how to enroll in Obamacare, online applications are the most popular. Though, learning how to get Obamacare in MD through the other methods is required if you do not have online access. Furthermore, insurance applicants that are still confused about how to apply for Obamacare insurance can set up an in-person appointment with insurance agents to obtain additional assistance.

Another common question is “What do I need to apply for Obamacare in Maryland?” What is needed to sign up for Obamacare is very straightforward. Applicants must have any past pay stubs, tax payments and previous insurance payments on hand when they are getting ready to apply for Obamacare.

Health Plan Cost and Availability in Maryland

The specific answer to the question, “How much will Obamacare insurance cost me in Maryland?” can be difficult to determine. The question, “How much does Obamacare cost?” is difficult because it is dependent on factors like income and family size, and will fluctuate from one family to the next and from one county to the next. Maryland has a smaller health insurance exchange, with only five different companies, which include CareFirst Blue Choice, CareFirst Blue Cross Blue Shield, Cigna, Evergreen and Kaiser Permanente. This does make it easier to get Obamacare health insurance price estimates in Maryland, as the companies are competitive in their quotes.

Lower-income individuals or families will have access to many discounts, which greatly help reduce Obamacare health insurance plans costs in MD. About 71 percent of beneficiaries in Maryland receive tax credits through the marketplace, which can reduce the cost of insurance plans to under $100 per month. The average monthly premium for an individual is as low as $114 for the catastrophic plan and as high as $752 for the platinum plan. Middle-tier plans cost an average of $475 per month.