Maryland
Cheapest ACA plans in Anne Arundel County, Maryland for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Anne Arundel County, Maryland has 5 on-exchange carriers offering 43 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Optimum Choice, Inc. UHC Bronze Essential ($0 Virtual Urgent Care) at $283 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Anne Arundel County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Anne Arundel County |
|---|---|---|
| Catastrophic | $189 | 3 |
| Bronze | $283 | 1 |
| Expanded Bronze | $307 | 12 |
| Silver | $403 | 14 |
| Gold | $404 | 12 |
| Platinum | $520 | 1 |
The actual cheapest Bronze plan in Anne Arundel County
Optimum Choice, Inc. UHC Bronze Essential ($0 Virtual Urgent Care)
$283/moFor a family of four (two 40-year-olds and two kids under 14): Optimum Choice, Inc. UHC Bronze Essential ($0 Virtual Urgent Care) at $905/month before subsidies.
Carriers selling 2026 plans in Anne Arundel County
5 carriers sell 2026 plans on Maryland Health Connection. 65 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Kaiser Foundation Health Plan of the Mid-Atlantic States | 11 |
| Wellpoint Maryland, Inc. | 10 |
| Optimum Choice, Inc. | 9 |
| CareFirst BlueChoice, Inc. | 9 |
| CFMI, Inc. | 4 |
Frequently asked questions
What is the cheapest ACA plan in Anne Arundel County, Maryland for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Optimum Choice, Inc. UHC Bronze Essential ($0 Virtual Urgent Care) at $283 per month before subsidies. Plans sell through Maryland Health Connection. Data refreshed 2026-04-19T08:08:55.462Z.
Who qualifies for Maryland's Young Adult Subsidy?
You qualify if you are age 18 through 37, live in Maryland, have household income between roughly 138% and 400% of the Federal Poverty Level, and buy a plan on Maryland Health Connection. The state lowers the share of your income you owe toward your benchmark plan, stacking on top of federal APTC. Young adults save about $40 per month on average. The program is permanent as of 2025.
What is Maryland's State Reinsurance Program and does it affect my premium?
Yes, indirectly. Maryland's reinsurance program pays carriers 80% of an individual enrollee's claims between $24,000 and $250,000 in 2026. Because carriers expect these payments, they set individual-market premiums roughly 34% lower than they otherwise would. You do not apply for it; it is already reflected in every quoted premium on Maryland Health Connection.
What is Maryland's Easy Enrollment Program?
When you file your Maryland state taxes, you can check a box on Form 502 authorizing the Comptroller to share your household size and income with Maryland Health Connection. MHC then mails you a letter telling you what you qualify for (Medicaid, MCHP, or a subsidized Marketplace plan), and you have 35 days to enroll. It is free and works outside open enrollment, but it only applies to returns filed on time (by April 15).
More Maryland pricing
Sources
- Maryland Health Connection for SBE enrollment, OEP dates, and the Easy Enrollment program.
- Maryland Health Benefit Exchange: Final 2026 State Subsidy and Reinsurance Parameters for PY2026 YAS schedule, expanded subsidy formula, and reinsurance parameters.
- Md. Insurance Article § 31-122 for the Young Adult Subsidy statutory basis.
- CMS 1332 Maryland Waiver Amendment (Jan 2025) for the reinsurance program extension through PY2028.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.