Maryland · FIPS 24021
Frederick County, MD — ACA coverage
Marketplace plans, premium tax credit eligibility, and Medicaid options for residents of Frederick County, Maryland. Updated 2026-06-08.
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Enrollee count is an estimate derived by evenly distributing the state's CMS plan-select total across counties; actual county enrollment varies with population.
How the Frederick County estimate is calculated
Methodology: ACA Beacon does not have county-level enrollment dashboards for every U.S. county. To give you a directional sense of marketplace activity in Frederick County, we take the most recent state-wide Open Enrollment Period (OEP) plan-selection total reported by CMSi (or the state-based marketplace) and divide it evenly by the number of counties in Maryland.
Formula used here: 247,243 total state signupsi ÷ 24 Maryland countiesi = ~10,302 estimated enrollees for Frederick County.
Uncertainty & limitations: Counties vary widely in population, income, and insurer participation. Urban counties typically enroll far more residents than rural ones. This number is a simple average, not a forecast or official CMS county report. Use it as a rough indicator of statewide penetration, not a precise local count.
Last updated 2026-06-08. Data source: CMS OEP state-level plan-selection reports.
ACA marketplace in Frederick County
Residents of Frederick County shop and enroll in ACA marketplace plans at www.marylandhealthconnection.gov/. Plans are rated by county, so available carriers and prices in Frederick may differ from elsewhere in Maryland.
Carriers currently selling in Maryland include: CareFirst BlueCross BlueShield, Kaiser Permanente, UnitedHealthcare, Wellpoint. The final 2027 carrier list for Frederick County is confirmed when Maryland filings are finalized before Nov 1, 2026.
Premium tax credit eligibility
For 2027, premium tax credits cap a benchmark Silver plan at 2.15%–10.22% of household income. The enhanced subsidies expired, so households above 400% FPL get no credit.
Cost-sharing reduction (CSR) Silver plans further reduce deductibles for households under 250% FPL.
Use our free subsidy calculator or see the full Maryland subsidy & income tables.
Medicaid & CHIP in Frederick County
Frederick County residents may qualify for Medicaid up to 138% of the Federal Poverty Level under Maryland's adopted ACA Medicaid expansion.
Maryland Children's Health Program (MCHP) covers children up to 322% FPL; pregnancy Medicaid covers up to 264% FPL. Apply year-round at mmcp.health.maryland.gov/Pages/Home.aspx · 1-855-642-8572.
Open Enrollment & SEP
2027 Open Enrollment in Maryland: November 1, 2026 – January 15, 2027. Missed it? You may still enroll within 60 days of a qualifying life event (job loss, marriage, birth, move, income change). See Maryland OEP & SEP details.
Other Maryland counties
Sources
- Maryland marketplace(opens in a new tab)
- HealthCare.gov subsidies(opens in a new tab)
- KFF Medicaid expansion tracker(opens in a new tab)
- U.S. Census county FIPS reference(opens in a new tab)
- CMS CHIP & Medicaid(opens in a new tab)
- CMS OEP state-level plan-selection reports(opens in a new tab)
- CMS 2026 Star Ratings(opens in a new tab)
The information contained on this website is for educational purposes only. We are not responsible for missing or inaccurate information. Please consult a licensed insurance broker in your state and area for insurance advice. Please consult a CPA for tax or legal advice.