What you need to know about health coverage

Please select from one of the following categories to learn more below about health insurance, health coverage, and more. We also have a Health Coverage Assistance Team (H-CAT) that can assist you with your health coverage questions and stay in contact with you as long as needed to help find answers to your questions or address your concerns whenever possible.

While the Maryland Insurance Administration does not sell insurance and we cannot recommend a particular policy or insurance company, we do want to help you learn what types of coverage are available. Additionally, we are here to assist you if you have a complaint involving an insurer, an insurance producer, public adjuster or adviser.

How to get health coverage

Maryland's official health insurance marketplace is Maryland Health Connection (Spanish), where Marylanders can compare and enroll in private health plans, Medicaid, or dental coverage. Maryland Health Connection is also the only place to qualify for financial help to make coverage more affordable. If you have questions about your application, call Maryland Health Connection at 1-855-642-8572 (TTY: 1-855-642-8573) or find free, in-person help near you. You can also download the free Enroll MHC mobile app to shop, enroll, find local help, view notices and upload documents.

Job loss options for health coverage

Take steps to keep your health coverage. Click on this link to learn about COBRA coverage and your options.

What to do if you are denied by your insurer

Have you been denied by your health insurer for a service, procedure, or prescription drug? When your health insurer says "no" find out what steps you can take and visit our website to learn about the Appeals and Grievance process providing a 24/7 hotline for Medical Necessity & Emergency Appeals.

Beware of scams or fake sites selling health coverage

The Maryland Insurance Administration has become aware of several entities offering unauthorized health insurance plans in Maryland. Read more here or watch this video.

Use caution and make sure you are shopping from official sources! Fake health insurance sites target shoppers during Open Enrollment. Read the Consumer Advisory. Visit our website for more information on insurance fraud and scams or to report an incidence.

Learn more about health coverage:

The basics:

Shopping around/comparing prices:

Claims, rates, and billing:

Health Insurance Coverage and the Claim Process FAQs
Essential Health Benefits - Refer to this chart if you have an individual insurance policy or if you receive your insurance from an employer with 50 or fewer employees.
Maryland Mandated Benefits - Refer to this chart if you receive your plan through an employer with more than 50 employees or if you are in a grandfathered plan.
Understanding Health Care Bills
Know Before You Go: Understand Your Financial Responsibility Before Seeing A Health Care Professional

Additional topics:

Health-related insurance topics:

Featured hot topics and consumer advisories:

Read more of MIA's health-related consumer advisories here

Watch our health-related videos:

Watch our signature "Lunch with MIA" webinars or watch one of our many videos on health insurance related topics.

What you need to know about health coverage

How to get health coverage

Job loss options for health coverage

What to do if you are denied by your insurer

Beware of scams or fake sites selling health coverage​

Learn more about health coverage:​​

The basics:

Shopping around/comparing prices​:

​Claims, rates, and billing:​

Additional topics:​

Health-related insurance topics:​​

​Featured hot topics and consumer advisories:

Watch our health-related​ videos: