Health Insurance in Washington County, MD
Compare 52 ACA plans and check your subsidy eligibility.
2025 Plan Year Data2026 data from CMS pending
$295/mo
Bronze from
$362/mo
Silver from
$355/mo
Gold from
$362/mo
Benchmark (SLCSP)
What is the Benchmark (SLCSP)? The Second Lowest Cost Silver Plan — the reference plan used to calculate your premium tax credit (subsidy) amount.
Check My Subsidy — See How Much You SaveBronze Plans (4)
Lowest premium, highest cost-sharing. Best if you are healthy and rarely need care.
BlueChoice HMO Bronze $6100 Virtual Connect
HMO · CareFirst BlueCross BlueShield
$295/mo
Age 40 premium
BlueChoice HMO Value Bronze $9200
HMO · CareFirst BlueCross BlueShield
$310/mo
Age 40 premium
BluePreferred PPO Value Bronze $9200
PPO · Kaiser Permanente Mid-Atlantic
$456/mo
Age 40 premium
BluePreferred PPO Value Bronze $9200
PPO · Molina Healthcare of Maryland
$456/mo
Age 40 premium
Expanded Bronze Plans (13)
Like Bronze but with some services covered before you meet your deductible.
UHC Bronze ($0 Virtual Urgent Care, No Referrals)
HMO · Aetna Health Inc.
$272/mo
Age 40 premium
BlueChoice HMO HSA Bronze $6150 Virtual Connect
HMO · CareFirst BlueCross BlueShieldHSA
$303/mo
Age 40 premium
Wellpoint Essential Bronze 6000 for HSA (+ Incentives)
HMO · UnitedHealthcare of the Mid-AtlanticHSA
$304/mo
Age 40 premium
Wellpoint Essential Bronze 5000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$308/mo
Age 40 premium
Bronze 2 Advanced HSA: Aetna network + MinuteClinic + Virtual Care 24/7
HMO · Cigna Health and Life Insurance CompanyHSA
$308/mo
Age 40 premium
Bronze Value: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Care
HMO · Cigna Health and Life Insurance Company
$316/mo
Age 40 premium
Wellpoint Essential Bronze Value 9200 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$324/mo
Age 40 premium
Bronze 4 Advanced: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Care
HMO · Cigna Health and Life Insurance Company
$348/mo
Age 40 premium
Silver Plans (15)
Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.
UHC Silver ($0 Virtual Urgent Care, No Referrals)
HMO · Aetna Health Inc.
$369/mo
Age 40 premium
Silver 5 Advanced: Aetna network + $0 MinuteClinic
HMO · Cigna Health and Life Insurance Company
$396/mo
Age 40 premium
Wellpoint Essential Silver 2500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$397/mo
Age 40 premium
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$401/mo
Age 40 premium
Silver Value: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Care
HMO · Cigna Health and Life Insurance Company
$403/mo
Age 40 premium
Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic
HMO · Cigna Health and Life Insurance Company
$414/mo
Age 40 premium
Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$416/mo
Age 40 premium
KP MD Silver Value 4500 Ded/750 RxDed/Vision
HMO · Evergreen Health
$425/mo
Age 40 premium
BlueChoice HMO Value Silver $4500 VisionPlus
HMO · CareFirst BlueCross BlueShield
$440/mo
Age 40 premium
BluePreferred PPO Value Silver $4500 VisionPlus
PPO · Kaiser Permanente Mid-Atlantic
$575/mo
Age 40 premium
BluePreferred PPO Value Silver $4500 VisionPlus
PPO · Molina Healthcare of Maryland
$575/mo
Age 40 premium
Gold Plans (16)
Higher premium, lower out-of-pocket. Good if you use medical services regularly.
UHC Gold Copay Focus $0 Indiv Med Ded ($5 Tier 2 Rx)
HMO · Aetna Health Inc.
$355/mo
Age 40 premium
Wellpoint Essential Gold 1500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$368/mo
Age 40 premium
UHC Gold Advantage+ ($3 Tier 2 Rx, Dental + Vision)
HMO · Aetna Health Inc.
$370/mo
Age 40 premium
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$370/mo
Age 40 premium
BlueChoice HMO Gold $1750 Virtual Connect
HMO · CareFirst BlueCross BlueShield
$398/mo
Age 40 premium
Wellpoint Essential Gold Value 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$411/mo
Age 40 premium
Gold 3 Advanced: Aetna network + $0 MinuteClinic
HMO · Cigna Health and Life Insurance Company
$413/mo
Age 40 premium
BlueChoice HMO Value Gold $1000
HMO · CareFirst BlueCross BlueShield
$425/mo
Age 40 premium
KP MD Gold Value 1000 Ded/150 RxDed/Vision
HMO · Evergreen Health
$436/mo
Age 40 premium
Gold 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic
HMO · Cigna Health and Life Insurance Company
$437/mo
Age 40 premium
Gold Value: Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Care
HMO · Cigna Health and Life Insurance Company
$444/mo
Age 40 premium
BluePreferred PPO Value Gold $1000
PPO · Kaiser Permanente Mid-Atlantic
$574/mo
Age 40 premium
BluePreferred PPO Value Gold $1000
PPO · Molina Healthcare of Maryland
$574/mo
Age 40 premium
Platinum Plans (1)
Highest premium, lowest cost-sharing. Best for people with frequent medical needs.
Catastrophic Plans (3)
Very low premium, very high deductible. Only available to people under 30.
BlueChoice HMO Young Adult $9200
HMO · CareFirst BlueCross BlueShield
$182/mo
Age 40 premium
Wellpoint Essential Catastrophic 9200 (+ Incentives)
HMO · UnitedHealthcare of the Mid-Atlantic
$226/mo
Age 40 premium
Maryland Expanded Medicaid
Adults with income up to 138% FPL may qualify for Medicaid in Maryland — often with $0 premiums.
Check Medicaid Eligibility