If medical coverage seems out of reach in Maryland, it may help to look into available short-term policies. With premiums averaging $99 per month,* short-term insurance plans in Maryland could get you covered without hurting your budget.

This type of temporary health insurance can help you cover a gap in coverage between jobs, if you need insurance before your Medicare coverage starts, or if you missed the deadline for the Affordable Care Act’s Open Enrollment Period

Can I Buy Short-Term Health Insurance in Maryland?

Yes! Maryland residents can purchase short-term health plans with a duration of up to three months. You cannot renew your policy when it expires, but you are allowed to reapply for your plan or apply for a different three-month plan.1

Each state is responsible for setting its own regulations for short-term health insurance, so limitations can change. 

Is Short-Term Health Insurance a Good Option?

Maryland short-term plans could be a good medical option for you, but make sure you understand this type of coverage before you purchase a plan. The policies do not necessarily include essential benefits such as maternity care, prescription drugs, or preventive services. In addition, people with preexisting conditions can denied coverage.1

Short-term plans in Maryland are limited to three months, can limit coverage benefits, and can deny coverage to people with preexisting conditions. So, they often have lower premiums, but they aren’t for everyone. If you’re healthy and on a budget, they may be a good option for coverage. Maryland residents can purchase a 2021 short-term plan through HealthMarkets for as low as $92 per month.* 

It’s a good idea to review the benefits of short-term health insurance in Maryland before you purchase a plan to make sure it’s the right fit for you.

Ready for a MD Short-Term Health Insurance Plan? 

To review the available short-term insurance plans in Maryland, visit the HealthMarkets shopping page. You can compare plan benefits, get up-to-date quotes, and apply today.


1. Maryland Insurance Administration. Retrieved from https://insurance.maryland.gov/Consumer/Pages/Is-a-Short-Term-Medical-Plan-for-You.aspx. Accessed February 19, 2021.

*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Baltimore, MD.
 "Minimum Essential Coverage" as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state.

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