MARYLAND HEALTH INSURANCE
The Maryland Health Insurance Plan (MHIP) is a state-sponsored health insurance program for individuals who are uninsured or under-insured and need help accessing quality health care.
There are two plans based on income:
The Maryland Health Insurance Plan provides health insurance to certain individuals who do not have access to health care. MHIP connects individuals who are hard to insure due to certain health reasons.
The Maryland Health Insurance Plan+ is a discounted health insurance plan for individuals with moderate to low household incomes. MHIP+ reduces the cost of premiums and expenses but provides the same coverage as MHIP.
MARYLAND MEDICAL INSURANCE STATISTICS
Consider the following statistics about health care coverage in Maryland:
Total Maryland Residents – 5,534,528
Maryland uninsured residents – 12.92%
Total Maryland HMO enrollment – 1,464,677
Avg annual employee premium in MD employer-sponsored plan (after employer contrib): $964
Avg MD hospital cost per inpatient day (before insurance) – $2,113
Maryland Children’s Health Plan (MCHP) provides health insurance for pregnant woman and children under age 19.
If you do not qualify for free medical care from MCHP, you may qualify for MCHP Premium. MCHP Premium recipients pay $46 – $58 per month to cover the family. The amount of the premium is based on your household income.
Free or low-cost health coverage including:
In-patient hospital care
Substance abuse treatment
Mental health services
Transportation to health services
FOR FAMILIES AND INDIVIDUALS
Affordable MD Individual & Family Medical Insurance
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you. Depending on the health insurance company, Maryland individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
Stay on Parent’s Plan – if you are a fulltime student, you may be eligible to remain on your parent’s plan. It is easier since your parents will be handling the bills, but if you go to school out-of-state, your coverage levels may not be as robust as they would be in your home state. Also, your parent’s health insurance could be more expensive than other coverage options.
School Sponsored Plan - Some colleges offer their own health plan. Some common concerns with these plans is that they may not cover services off-campus or you can lose eligibility if you are a part-time student. Check to see if your school offers a health plan for its students.
Student Health Plan - These plans are for full-time students typically between 17-29 years old. The major advantage with this plan is that the coverage will travel with you wherever you go in the US. However, it may require you to pay your premium in a single lump-sum amount and it is not available in every state.
Individual and Family Plans - You can also purchase an individual and family health plan. Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families and offers a range of coverage benefits depending on the actual plan you select.