​There are several types of Health Insurance available from companies in Maryland that are NOT Major Medical Health Insurance.  All include limited benefits, and the plans are not obligated to cover the health benefits required for Major Medical plans under federal law.  These plans are called “Excepted Benefit” plans.

Excepted Benefit plans are not equal options to Major Medical plans, but they can pay some portion of individuals’ healthcare costs in situations where a Marylander:​

• Does not have access to health insurance through employment, and; 
• Does not have access to health insurance through a parent or spouse, and;
• Does not qu​​alify for Medicare, Medicaid, or another government healthcare program, and; 

• ​Does not have the financial resources to purchase a Major Medical Health Insurance plan from the Maryland Health Connection (MHC)​ or directly from insurers who sell on the MHC marketplace. ​​