Health Coverage

Open enrollment for the Affordable Care Act will re-open on Monday, November 17, 2014.  Check our sign up locations section for information on where you can go to meet in person with a health navigator for assistance in enrolling.

If you enrolled last year through Maryland Health Connection, you must re-enroll by December 18 to continue receiving any financial assistance.  If you do not enroll by December 18, your current coverage will continue but with no financial assistance.

The Capital Region Health Connector is working through the Maryland Health Connection, the state’s online insurance marketplace (www.marylandhealthconnection.gov), to provide quality, affordable health insurance coverage to individuals and families across Montgomery and Prince George’s counties.

Why is Health Insurance Important?

Health insurance protects you and your family from large debts due to unexpected medical costs such as medical emergencies, surgery or a serious illness.  An unexpected illness or injury can happen to anyone, even to someone who is young and healthy.  Without health coverage, or without enough coverage, an illness or injury can drain savings.  High medical bills are a leading cause of personal bankruptcy in the United States.

What is the Affordable Care Act (ACA)?

The Patient Protection and Affordable Care Act was signed into law in March 2010 and the law is intended to:

  • Provide universal access to health care coverage for Americans.
  • Control the rising cost of health care services.
  • Regulate private insurance through things like state-based private exchanges—an online marketplace where consumers can shop for state-approved insurance plans
  • Improve the quality of health care

The individual mandate is the core of the Affordable Care act and it requires everyone to have health insurance coverage either through their work place, from a government program like Medicaid or Medicare, or buy health insurance on their own.  Anyone without coverage will have to pay a penalty (fee).