Maryland Health Insurance
Health Insurance Information in Maryland
Health insurance bodes pretty well for the residents of Maryland. Ranked as the 23rd healthiest state to live in according to 2010 America’s Health Rankings® by the United Health Foundation, important factors help with Maryland having an above average standing.
For instance, the Primary Care Physicians category was ranked 2nd among the 50 states, which is clearly one of the main reasons why it reached the 23rd spot overall. Also, the low prevalence of individuals who smoke (as Maryland was ranked 6th) helped in the above average ranking. This good news should be celebrated however, due to some other very low rating categories, still make it a risk for residents of Maryland if they are not carrying health insurance.
One of the main reasons why Maryland’s general ranking is not higher is because there are areas in the study where Maryland does quite poorly. The violent crime rate is relatively high, as well as being known to rate high in infectious diseases. These reasons alone should demonstrate the importance of carrying health insurance because unexpected situations occur and if you are not prepared for it, could only detriment your finances, but more importantly, your health.
If you do not carry health insurance because you are not qualified, then you can have peace of mind when you hear about MHIP.
Maryland Health Insurance Plan
If you are unable to attain health insurance due to a previous health condition then MHIP can help. MHIP (Maryland Health Insurance Plan) is a federally funded program that works just like an individual health insurance plan. This program also helps those who have exhausted their employer-sponsored coverage and any right to continue that coverage.
There are a couple of health insurance coverage options that you can choose from under the Maryland Health Insurance Plan, depending on your annual income. If you have low to moderate income, you could qualify for reduced premiums and cost sharing through the MHIP + MHIP Federal + options.
*Please note that if you are eligible for Medicaid, Medicare, employer-sponsored coverage or any other comparable insurance plan, then you are not eligible to qualify for MHIP.
MHIP Standard
- HMO Plan
- $500 PPO Plan
- $1,000 PPO Plan
- $2,600 High Deductible Health Plan (HDP)
- HealthyBlue Triple Option
MHIP+ provides discounted premiums and discounted cost sharing to MHIP members with limited income
- HMO Plan
- $200 PPO Plan
- $500 PPO Plan
MHIP Federal Federal is administered for those who cannot qualify for individual health insurance plan due to a health condition or who have a qualifying condition, and have been uninsured for at least 6 months
- $1,500 High Deductible Health Plan (HDP)
- $500 PPO Plan
MHIP Federal+ provides discounted premiums to MHIP Federal members with limited income
- $500 PPO MHIP Federal+ Plan 1
- $500 PPO MHIP Federal+ Plan 2
To see if you could qualify for health insurance in Maryland, simply enter your zip code below. In just a matter of minutes, you could get answers on whether or not you are eligible, and if you are how much money you could save on a medical insurance policy that is right for you. Understanding the discounts made available to you could save you up to hundreds on your insurance plan. Start now.
