Health Insurance Marketplace information
Open Enrollment is November 1, 2019 through December 15, 2019
Maryland Health Connection is the state's official health insurance marketplace for individuals and families who are Maryland residents. The marketplace provides eligible residents with an opportunity to access affordable health insurance coverage. Completing an application will determine eligibility for Medicaid, MCHP and Qualified Health Plans.
Shopping on the Exchange is for those consumers who are not offered certain insurance coverage through their employer. If you already have health insurance such as Medicare, Medicaid, Tri-care, Cobra, retiree coverage, private insurance, and Vet Health plans, you are not eligible for assistance through the exchange. Financial assistance is based on household income, number of people living in the home and other factors.
Each county in the State of Maryland has a Navigator Program. The Harford County Navigator program is run by Seedco. All Navigators are certified and skilled to provide free, confidential, in person assistance with the health insurance application process. Navigators will assess your household and ensure that the correct household members are included and that the income you enter is accurate. They will assist in understanding insurance terms, differences in policies, costs and coverage benefits prior to selecting a plan.
If you are actively enrolled in a plan through the Marketplace and/or Maryland HealthChoice, you are legally required to update your income throughout the year and renew at the end of the insurance term which is typically one year for Medicaid and MCHP and December 15th for Qualified Health Plans. Navigators assist with re-determinations for Medicaid and re-enrollments for marketplace plans. Help is also available at:
The next Open Enrollment is November 1, 2019 through December 15, 2019 for 2020 plan coverage.
If you have recently lost your health insurance, moved, gotten married or had a child, you may be eligible for a Special Enrollment. A Navigator can assist you with this. You can apply for Medicaid or CHIP, at any time of the year.
Helpful Consumer Resources from the Kaiser Family Foundation