Benchmark $414/mo · +13.4% approved · Maryland Health Connection
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old accountant in Maryland faces a benchmark premium of $414/month for 2026, up from $365 in 2025. That is 34% below the national benchmark of $625. Carriers were approved for an average increase of +13.4%.
Maryland runs its own exchange, Maryland Health Connection, rather than healthcare.gov. CMS therefore excludes it from the Qualified Health Plan Landscape file that powers most of this site, so there is no public plan-by-county premium table for Maryland the way there is for Florida or Texas. What you get instead — approved rate changes, carrier concentration and the benchmark series — comes straight from state filings, and in some ways says more, because these are rates a regulator actually approved rather than rates an insurer filed.
Maryland has the cheapest benchmark premium in the country at $414 and the smallest approved increase of these six at 13.4%. Its 1332 State Innovation Waiver reinsurance program, approved through 2028, keeps rates an estimated 30–35% below where they would otherwise sit — 2026 rates are still 6% below pre-waiver 2018 rates.
| Maryland — 2026 | Figure |
|---|---|
| Benchmark premium, age 40 (2026) | $414 |
| Benchmark premium, age 40 (2025) | $365 |
| Year-over-year change | +13.4% |
| Approved average rate increase | +13.4% |
| Versus the national benchmark ($625) | -34% |
| Rank among your 21 licensed states | 1 of 21 |
| Counties | 24 |
| Carriers on the exchange | 7 |
| Exchange | Maryland Health Connection (state-run since 2014) |
| Carrier | Network | Members | 2026 approved |
|---|---|---|---|
| CareFirst BlueChoice | HMO | 122,623 | +13.6% |
| Optimum Choice (UHC) | HMO | 93,465 | +15.2% |
| Kaiser | HMO | 49,427 | +9.8% |
| CareFirst CFMI | PPO | 13,412 | +13.1% |
| CareFirst GHMSI | PPO | 8,906 | +13.1% |
| Aetna Health | HMO | 4,939 | not filed for 2026 |
| Wellpoint Maryland | HMO | 1,417 | +10.0% |
| Metal | Carrier | Network | 2025 | 2026 | Change |
|---|---|---|---|---|---|
| Bronze | CareFirst BlueChoice | HMO | $295 | $339 | +14.9% |
| Bronze | CareFirst GHMSI/CFMI | PPO | $456 | $510 | +11.8% |
| Bronze | Kaiser | HMO | $287 | $328 | +14.3% |
| Bronze | Optimum Choice (UHC) | HMO | $261 | $283 | +8.4% |
| Bronze | Wellpoint Maryland | HMO | $304 | $332 | +9.2% |
| Silver | CareFirst BlueChoice | HMO | $355 | $371 | +4.5% |
| Silver | CareFirst GHMSI/CFMI | PPO | $510 | $585 | +14.7% |
| Silver | Kaiser | HMO | $319 | $344 | +7.8% |
| Silver | Optimum Choice (UHC) | HMO | $302 | $342 | +13.2% |
| Silver | Wellpoint Maryland | HMO | $397 | $437 | +10.1% |
| Gold | CareFirst BlueChoice | HMO | $398 | $452 | +13.6% |
| Gold | CareFirst GHMSI/CFMI | PPO | $574 | $649 | +13.1% |
| Gold | Kaiser | HMO | $390 | $414 | +6.2% |
| Gold | Optimum Choice (UHC) | HMO | $340 | $391 | +15.0% |
| Gold | Wellpoint Maryland | HMO | $368 | $404 | +9.8% |
Maryland is the only one of these six states that publishes actual approved dollar premiums by carrier and metal tier.
CareFirst GHMSI and CFMI are the only PPO options; every other carrier is HMO. CareFirst holds 49.3% of the market, UnitedHealthcare 31.8%, Kaiser 16.8%.
Sources: Maryland Insurance Administration, “2026 ACA Approved Rates,” September 19, 2025. KFF, “Marketplace Average Benchmark Premiums,” 2026. Benchmark is the second-lowest-cost Silver plan for a 40-year-old, weighted by plan selections.
Low claim volume and a younger buyer usually favor a high-deductible plan paired with an HSA.
Occupational context: Sedentary strain: eye strain, repetitive stress, and Q1 stress load.
To be clear about what this does and does not affect: a Maryland carrier cannot ask your occupation, cannot charge a accountant more than anyone else of the same age in the same ZIP, and cannot exclude a condition you already have. Occupation only tells you which plan structure to shop for.
Ranked on the benchmark premium, the one measure published on the same basis for every state. Nothing on this list is cheaper. More expensive: Virginia ($455), Indiana ($474), Nevada ($497).
You buy where you live, not where you work, so treat this as context rather than a shopping list. A genuine move does open a special enrollment period.
Expense categories that typically apply to this trade: Software, licensing, CPE credits, home office. Health premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or a spouse. The deduction lowers your AGI, and AGI sets your premium tax credit, so the two calculate against each other — worth raising with your CPA before you enroll rather than after.
Maryland carriers were approved for +13.4% on average for 2026. Increases were large across the country because the enhanced federal premium tax credits expired at the end of 2025.
The 2026 benchmark premium in Maryland is $414 per month for a 40-year-old, up from $365 in 2025. That is full price before premium tax credits; most buyers pay less after subsidies.
Carriers in Maryland were approved for an average increase of 13.4%. Filings across the country cited the expiry of the enhanced federal premium tax credits at the end of 2025, rising medical and drug costs, and expectations that healthier people would drop coverage.
No. Exchange plans are guaranteed issue and community rated. Price varies only by age, ZIP code, tobacco use and household size. Occupation is not a rating factor.
No. Maryland runs its own exchange, Maryland Health Connection, state-operated since 2014. You enrolll there rather than on healthcare.gov.
This page compares states. For Maryland specifically — county-level carriers and enrollment help — I publish that on Coverage by County, including a page written for Accountants in Maryland and a blog covering deductibles, subsidies and special enrollment.