Health Coverage Enrollment Dates

Enrollment Dates
The enrollment period for Year Three begins November 1, 2015 and ends January 31, 2016.

To further assist with your enrollment, please review the following information about services, additional assistance and deadlines.
Maryland Helath Connection
In-Person Assistance
  • More than 1,500 trained experts are available across the state to provide free assistance in enrolling.
  • A list of “connector entity” (regional consumer assistance) offices and hours can be found on Maryland Health Connection as well as searchable tools to locate participating brokers and navigators nearest you.​
Enrollment Fairs
  • A list of events featuring assisters ready to enroll consumers at major venues across the state can be found at Maryland Health Connection and will be publicized throughout open enrollment. ​
Financial Support
  • Nine in ten Marylanders qualified for financial help to help lower or even waive the cost of health coverage. Under the Affordable Care Act, Marylanders who are not eligible for qualifying health coverage, such as affordable employer-sponsored coverage or a government program such as Medicaid, may apply for an Advanced Premium Tax Credit, or APTC, to offset the cost of monthly insurance premiums.
  • Individuals who have an annual income of less than $47,080 or a family of four whose household income is less than $97,000 may qualify for coverage with financial assistance that begins January 1, 2016, for example.
  • In 2015, more than 60,000 Maryland households have received more than $190 million in tax credits - an average of more than $3,000 per family - to help reduce the cost of health coverage. ​
Simpler Renewal
  • Most Marylanders who enrolled in a qualified health plan through Maryland Health Connection for 2015 coverage will be renewed automatically in the same plan or a similar plan if their plan has changed.
  • If they received a subsidy in 2015, in most cases if their income hasn’t changed much they will receive a similar one in 2016.
  • Even if they were enrolled this year, consumers may want to shop and compare plan prices since some have increased in price and others have decreased. They may save hundreds of dollars by doing so.​
Small Business Coverage
  • The Small Business Health Options Program (SHOP) is open to businesses with 50 or fewer full-time-equivalent employees.
  • The program offers a two-year tax credit to help offset costs for qualifying businesses and more coverage options to offer employees.
New Dental Plans
  • For 2016, Marylanders can enroll online in a dental-only plan or enroll in dental at the same time they enroll in a health plan.
  • Maryland Health Connection offers family and child-only dental plans - 19 plans in all from six participating dental insurers.​
Coverage Is Better Than a Penalty
  • For 2016, the federal tax penalty for lacking coverage is 2.5% of gross household income over the federal income tax filing threshold, or $695 per individual - whichever is greater.
  • That is up from the 2015 penalty of 2% of gross household income over the tax filing threshold or $325 per individual. It makes sense to get coverage for your money instead of paying a penalty and not having any.
  • The law provides certain exemptions, including for people below a certain income and those who are without coverage for fewer than three months.
  • The penalty is designed to prompt healthier people to get coverage to keep premium levels sustainable as insurers are now forbidden from turning away applicants due to existing health problems.
  • More people covered also reduces the shared cost of uncompensated care.​
Don’t Miss the Deadline(s)
  • ​Coverage will begin on January 1 for enrollments completed by December 15, 2015.
  • Enrollments completed December 16 through January 15 will have coverage beginning February 1, 2016.
  • Enrollments completed January 16 through January 31, the last day of open enrollment, will have coverage beginning March 1, 2016. ​
Return to Affordable Health Insurance​ page.​​​