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PA or DE Residents | Small Business Health Options Program (SHOP) Marketplace

Seedco Maryland Health Connection

Health Insurance Marketplace information

The next Open Enrollment is November 1, 2016 through January 31, 2017 for 2017 plan coverage.

Maryland Health Connection is the state's official health insurance marketplace for individuals and families who are Maryland residents. The marketplace provides eligible residents with an opportunity to access affordable health insurance coverage. Completing an application will determine eligibility for Medicaid, MCHP and Qualified Health Plans.

The Maryland Health Insurance Marketplace helps uninsured people and business owners find health coverage under the Affordable Care Act.

Each county in the State of Maryland has a Navigator Program. The Harford County Navigator program is run by Seedco. All Navigators are certified and skilled to provide free, confidential, in person assistance with the health insurance application process. Navigators will assess your household and ensure that the correct household members are included and that the income you enter is accurate. They will assist in understanding insurance terms, differences in policies, costs and coverage benefits prior to selecting a plan

Under Federal law, every person must have continuous health insurance coverage or pay a fine on their taxes for the amount of time you are not insured. For 2016, the fine is the higher of either 2 ½% of your income or $695.00 per person.

Some people qualify for an exemption from the fee, based on income or other specific factors. Information on exemptions can be found at:
https://www.healthcare.gov/health-coverage-exemptions/exemptions-from-the-fee/
https://www.irs.gov/pub/irs-prior/i8965--2015.pdf

Shopping on the Exchange is for those consumers who are not offered certain insurance coverage through their employer. If you already have health insurance such as Medicare, Medicaid, Tri-care, Cobra, retiree coverage, private insurance, and Vet Health plans, you are not eligible for assistance through the exchange. Financial assistance is based on household income, number of people living in the home and other factors.

If you are actively enrolled in a plan through the Marketplace and/or Maryland Health Choice, you are legally required to update your income throughout the year and renew at the end of the insurance term which is typically one year for Medicaid and MCHP and December 31st for Qualified Health Plans. Navigators assist with re-determinations for Medicaid and re-enrollments for marketplace plans. Help is also available at:

The next Open Enrollment is November 1, 2016 through January 31, 2017 for 2017 plan coverage.

If you have recently lost your health insurance, moved, gotten married or had a child, you may be eligible for a Special Enrollment. A Navigator can assist you with this. You can apply for Medicaid or CHIP, at any time of the year.

Helpful Consumer Resources from the Kaiser Family Foundation

Helpful Resource and Reference Once you have Coverage: From Coverage to Care: A Roadmap to Better Care and a Healthier You.

Programs and Resources at HCPL