Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.
No major insurer is leaving the Maryland marketplace for 2027.
In 2026, 4 companies sold Maryland marketplace plans: Anthem (Elevance), CareFirst, Kaiser Permanente and UnitedHealthcare.
Sam Jaber here. I'm a broker licensed in Maryland among 36 states, and I help people pick individual health coverage by phone. For Maryland the news is calm: I found no insurance company leaving Maryland Health Connection for 2027.
Here's how I checked. In 2026, four companies sold plans through Maryland's marketplace: Anthem, CareFirst, Kaiser Permanente and UnitedHealthcare. Each of them has a 2027 rate filing on the federal rate review site. A company planning to stop selling would normally be missing from that list, and none is. So from Baltimore and Montgomery County out to Hagerstown, Salisbury and Ocean City, you shouldn't be forced off your company this year.
Some Marylanders did go through this recently. Aetna left the individual marketplace in Maryland for 2026, so if you were an Aetna member, you already made one move last fall. Look at the plan you landed in with fresh eyes this year rather than letting it renew on autopilot.
Maryland runs its own marketplace, so your notices and deadlines come from Maryland Health Connection rather than HealthCare.gov. Give the 2027 lineup a real read when Maryland Health Connection posts it, and I'll recheck this page then too. A plan can carry over with a different network, so search for your doctors and hospital by name, and compare what each option costs you once the credit is applied.
On PPOs, Maryland is well covered. CareFirst sold marketplace PPO plans in every Maryland county and Baltimore City in 2026, and nothing I've found changes that for 2027. If you're healthy and pay full price, a nationwide PPO is still worth a look. I can quote one in Maryland, and its network reaches past the state line, which matters for people who commute into Washington or Northern Virginia, or who see specialists in Philadelphia or Delaware.
No Maryland county loses a marketplace insurer for 2027 from what I checked.
On the marketplace, PPO plans were sold in 24 of Maryland's 24 counties in 2026. They come from CareFirst.
A few other names come up in the news about this. Here's where each one actually stands.
When an insurance company leaves, your plan doesn't stop overnight. It runs through December 31, 2026, and the company has to tell you in writing first. Federal rules require at least 90 calendar days notice when a company drops a plan, and at least 180 calendar days when it leaves a state's individual market entirely. If your company is leaving and you haven't seen that letter, call the company and ask for it.
What happens next is the part people get wrong. If no plan from your company is left on the marketplace, the federal rule (45 CFR 155.335) says the marketplace may move you to a plan from a different company. It doesn't say it will. The move has to fit state law, it follows the state regulator's direction, and without that direction the marketplace picks a "similar" plan. Nothing in that rule checks your doctors or your prescriptions.
If you bought your plan straight from the company, off the marketplace, the marketplace's re-enrollment rule doesn't reach you at all. You need to pick a new plan yourself.
Maryland runs its own marketplace, Maryland Health Connection, instead of HealthCare.gov. It sends its own notices, and its deadlines can be different from HealthCare.gov's (December 15 for a January 1 start, January 15 to close). Check the dates on Maryland Health Connection itself before you count on them, and treat its letter the same way: it tells you which plan, if any, you'd be moved into if you do nothing.
Miss open enrollment and you may still have a way in. Losing a plan because it's discontinued is on HealthCare.gov's list of qualifying events, and the federal rule gives you 60 days before and 60 days after the day your old coverage ends to pick a new plan. Don't build your plan around that window. Confirm you qualify before you count on it.
Here's how I'd think about it, depending on where you are. Each path ends the same way: a call with me before the deadline.
If you earn too much for the credit, you're paying the full marketplace price, and now you're paying it for whatever is left in your county. You have another option. Private plans with medical underwriting run on nationwide PPO networks and are priced on your health, which is how the price for a healthy person can come in under the marketplace's full rate. They ask health questions up front, and the company can decline you or leave out a past condition, so we go through the details together before you choose.
Next step: Call me and I'll price a nationwide PPO for your household next to the Maryland marketplace plans in your county.
Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Maryland through me. On the marketplace, PPO plans were sold in 24 of Maryland's 24 counties in 2026. They come from CareFirst.
Private PPO plans with medical underwriting use networks that work across the country, and for a healthy person who pays full price on the marketplace, they're often worth pricing. I'm licensed in 36 states, and Maryland is one of them.
Straight answers, no sales pitch.
No major insurer is leaving the Maryland marketplace for 2027. Every company that sold Maryland marketplace plans in 2026 has a 2027 rate filing on the federal rate review site.
Maybe, but don't count on it. The federal rule says the marketplace may move you to a similar plan from a different company, as state law and your state regulator allow. HealthCare.gov says that in some cases you won't be automatically re-enrolled, and if you bought off the marketplace, nobody moves you. Pick your own plan.
Maryland runs its own marketplace, Maryland Health Connection, and its dates can differ from HealthCare.gov's December 15 and January 15. Check the deadline on Maryland Health Connection and pick early so your new plan starts January 1.
Yes. You can still get a nationwide PPO in Maryland through me. On the marketplace, PPO plans were sold in 24 of Maryland's 24 counties in 2026. They come from CareFirst.
Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.
Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Maryland marketplace, price a nationwide PPO next to it, and help you pick before the deadline. I'm licensed in 36 states and work by phone.
Every state on the list, and guides for Maryland