You can still get a nationwide PPO in Maryland through me. Here is how Anne Arundel investors, with rentals near the water and sometimes a second property out of state, line up coverage with the kind of year they're having.
Hi, I'm Sam Jaber. From Tampa, under licenses in 36 states, I help landlords and investors buy health coverage that matches their income, and Maryland investors can do it with me over the phone.
Here's an Anne Arundel picture. An investor lives in Severna Park and owns four townhouses in Annapolis and Eastport, leased mostly to military and medical families who rotate every couple of years. She also has a condo at the Delaware beaches that she rents by the week in summer. One of the Eastport townhouses has appreciated a lot, and she's weighing a sale next year. Her health plan comes from Maryland Health Connection, and the right one depends on whether next year is a holding year or a selling year.
In Anne Arundel County, Maryland Health Connection offers 43 individual medical plans for 2026. Thirty-nine are HMOs; four are PPOs. Maryland is one of the few states where marketplace prices don't change by region, and the PPO markup is steep everywhere: at age 40, before any subsidy, the most affordable silver PPO on the shelf costs 64% more than the most affordable silver HMO.
You can still get a nationwide PPO in Maryland through me, outside the marketplace. It's underwritten on your health, and its network follows you to Rehoboth, to a property you're scouting in another state, or to family far away.
Maryland Health Connection counts net rental income: rent after mortgage interest, property taxes, insurance, repairs, management, condo fees and depreciation, plus the rest of your household's income. Help with the premium runs up to four times the federal poverty level.
Selling changes everything. The credit is figured from modified adjusted gross income, and the gain on a sold townhouse generally lands right in it. So we plan for the year ahead, not the year behind.
Enroll through Maryland Health Connection, since it's the only place the credit applies. Because the credit is fixed to a benchmark silver plan, the PPO's 64% markup would be yours alone, so most investors in the credit range do better with an HMO. Out of its network, an HMO generally pays only in an emergency. If you spend summers at the Delaware condo, check which urgent care there, if any, is in your plan's network before you rely on it.
Next step: Send me last year's Schedule E and your doctors, and I'll show which Anne Arundel HMOs keep them, credit included.
A closing can take one year far above the credit line. If you've taken credit in advance and the sale pushes income higher, the difference comes back on your tax return, and for tax years after 2025 there's no ceiling on what you repay. Settle your coverage plan before the listing goes up.
At full price, private underwritten coverage frequently suits a healthy investor. Your answers to the medical questions lead to an approval, an approval excluding one condition, or a decline, and healthy applicants often pay below the marketplace's full rate. We compare each plan's benefits before you commit.
Next step: Call me before you list, and I'll compare a nationwide PPO quote with Maryland Health Connection's full prices for the sale year.
Two vacancies and a new roof can drag net rental income way down on paper. Maryland expanded Medicaid, and KFF lists the adult limit at 138% of the poverty level. If your honest estimate lands there, Medicaid may fit this year, and you move back to the marketplace when the units fill.
Next step: Before applying anywhere in a lean year, call me and we'll figure out where the household really lands.
Stay with Maryland Health Connection at full price. Its plans take everyone and can't charge more for a diagnosis. Your job is choosing the network that keeps your specialists and a deductible that matches how rent comes in.
Next step: List your doctors and prescriptions, and I'll narrow the Anne Arundel plans to those that cover them.
Straight answers, no sales pitch.
At the silver level, the least expensive PPO costs 64% more than the least expensive HMO, anywhere in Maryland.
Yes. Net rental income counts as household income when your credit is figured.
It can. A gain from the sale generally adds to the income the credit is based on for that year.
Yes. If you're healthy, you can buy one privately through me.
Share your county, who needs a plan, how last year's Schedule E came out and whether a sale is on the calendar. I'll match the year to the right coverage and give you real numbers.
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