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Affordable Health Insurance

The New Law
The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. And it also gives millions of individuals with too little, or no insurance, access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income.

The new Health Insurance Marketplace, also known as an “Exchange,” opened on October 1, 2013 and it allows you to shop for a plan that fits your budget and coverage needs. We’re here to help you learn about the law and how to select the right plan for you and your family.

What Will the Plans Cover?
Once enrolled, coverage can begin as early as January 1, 2014. Benefits include doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternal and newborn care, pediatric care and more.

In fact, Ten Essential Health Benefits must be covered in every plan and certain Preventive Care Services will be provided at NO additional cost to patients. Also, patients cannot be turned away due to pre-existing conditions, as has been the case in the past.

Enroll October 1, 2013 - March 31, 2014
If you do not have health insurance, you are required to sign up during open enrollment, from October 1, 2013 to March 31, 2014. Enrollment via Maryland’s health insurance marketplace is available online, by phone or in person. For Maryland residents, Maryland Health Connection is the one-stop-shop to easily compare plans based on benefits and cost. 

Whether you’re currently uninsured, you’ve been denied coverage in the past, or you just want to explore new options, Maryland Health Connection gives you more choice and control over your health coverage.

By law, under the Affordable Care Act, most people over age 18 must have health insurance beginning in 2014 or face tax penaltiesIf you have Medicaid or Medicare coverage, that meets the requirement.


Take a few minutes to learn about the New Law.

Maryland Health Connection
The Health Insurance Marketplace in the state of Maryland is called Maryland Health Connection and it is making it easier for Marylanders to shop, compare, and enroll in quality health coverage.

The statewide goal is to make health insurance affordable and accessible for all Maryland residents, including the approximately 730,000 residents who are currently uninsured. Holy Cross Hospital and other hospitals throughout the state have committed to inform, educate, and assist people in our communities to enroll in quality health coverage. Holy Cross Hospital is partnering with the Montgomery County Department of Health and Human services to help the nearly 222,000 uninsured residents in Montgomery and Prince George’s counties to find coverage that fits their budget.

How to Sign Up
Open enrollment for health insurance through Maryland Health Connection is October 1, 2013 - March 31, 2014.  There are three ways to sign up:

  1. Online: Go to and complete the online enrollment process.
  2. By Phone: Call Maryland Health Connection's call center and sign up over the phone, Monday-Friday, 8 a.m. - 6 p.m. 
    • 1-855-642-8572 (toll free)
    • 1-855-642-8573 (TTY)
  3. In Person: Meet in-person with a navigator to complete enrollment. Residents of Montgomery and Prince George's counties can visit to view an online calendar of events  to see where navigators will be located to help you enroll.

View Maryland Health Connection's Application Checklist for items you will need when you enroll.

If you live in another state, please go to to find your health insurance marketplace.


What is Maryland Health Connection?

View En Español.

Maryland's Hospitals Support Health Coverage Expansion


Financial Assistance
A surprisingly large number of people will qualify for financial help when coverage begins in 2014. For example, an individual earning up to $45,960 a year, or a family of four earning up to $94,200 a year, will qualify for a reduction of their monthly premiums, or a tax credit at the end of the year. The chart on this page gives you a good idea of how much assistance will be available. Once you apply at the Marketplace, you will find out the exact amount.


If your household size is this:

You may be eligible for Medicaid if your income* is this:

You may be eligible for reduced premiums and/or lower insurance costs if your income is this:




Less than $15,856


$15,857 – $45,960




Less than $21,404


$21,405 – $62,040




Less than $26,951


$26,952 – $78,120




Less than $32,499


$32,500 – $94,200




Less than $38,047


$38,048 – $110,280




Less than $43,595


$43,596 – $126,360




Less than $49,143


$49,144 – $142,400




Less than $54,691


$54,692 – $158,520

Source: Maryland State Department of Health and Mental Hygiene, Medicaid Planning Administration

*Income eligibility levels for children and pregnant women are higher


Helpful Links from Maryland Health Connection:

Where to Get Help in Your Community A network of consumer assistance organizations are available in your community to help you enroll in Medicaid or a qualified health plan.

Prepare for Enrollment Get to know the plans available to you and your family.

Medical Insurance Application Forms – If you are unable to access and fill out an application online, there are several application forms available in both English and Spanish.

Tips on Using Maryland Health Connection – Get the latest updates on how to navigate through the application process on Maryland Health Connection.

How It Works - Learn about how this new online health insurance marketplace works.


Maryland Health Connection Health Insurance Application Checklist

Maryland Health Connection One Page Overview 

En Espanol - Maryland Health Connection One Page Overview

Maryland Health Connection Two Page Overview

En Espanol - Maryland Health Connection Two Page Overview

Fraud Protection Information

Frequently Asked Questions about Maryland Health Connection

Glossary of Health Coverage and Medical Terms

En Espanol - Glossary of Health Coverage and Medical Terms

Income Eligibility Chart

En Espanol - Income Eligibility Chart

Medicaid Fact Sheet

En Espanol - Medicaid Fact Sheet

Value of Health Insurance

En Espanol - Value of Health Insurance 

Websites:– Maryland’s health insurance marketplace for residents to apply, compare and enroll in health insurance and find other helpful resources. – Provides information to residents of Montgomery and Prince George’s Counties on enrolling in Maryland Health Connection, the state-based health insurance marketplace. It also provides a calendar of events where navigators and assistors will be located to provide in-person enrollment. – National resource for learning about the health insurance marketplace and to find the marketplace that will serve you.


© 2014  Holy Cross Health | 1500 Forest Glen Road, Silver Spring, MD 20910 | 301-754-7000