Health insurance & Medicare · Baltimore, MD (Baltimore City)
Individual & Family Health Insurance in Baltimore, Maryland
8.1% of Baltimore adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1% (the 3rd-lowest uninsured rate for adults 19 to 64 of the 7 Northeast U.S. communities on this site). Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps Baltimore, MD households compare individual and family health insurance by phone or video, and the first conversation is free.
Baltimore by the numbers
- 8.1% of Baltimore adults aged 19 to 64 have no health insurance, below the U.S. rate of 11.1% (the 3rd-lowest uninsured rate for adults 19 to 64 of the 7 Northeast U.S. communities on this site).
- 24.2% of Baltimore households include children under 18, well below the U.S. figure of 29.8%.
- 7.2% of Baltimore workers are self-employed, below the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- The median household income in Baltimore is $59,826, below the U.S. average of $78,538, the 3rd-lowest median household income of the 7 Northeast U.S. communities on this site.
Baltimore and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| Baltimore | 8.1% | 7.2% | $59,826 |
| New York | 9.4% | 11.4% | $79,713 |
| Philadelphia | 9.6% | 7.9% | $60,698 |
| Boston | 4.2% | 7.9% | $94,755 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in Maryland
- Maryland residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Baltimore
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in Baltimore?
No. Olive works with Baltimore and Baltimore City households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Individual & Family Health Insurance near Baltimore
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.