Private PPO Health Insurance
in Maryland

Maryland runs its own state-based marketplace and expanded Medicaid over a decade ago — two decisions that shape who private PPO coverage is really built for here. Here's how it fits into Maryland's health insurance landscape today.

What We Actually Sell

Castro Coverage specializes in private PPO health insurance: broad nationwide networks, not a narrow local HMO panel, with rates based on your own health profile rather than a flat community rate. For healthy Marylanders above the Medicaid threshold, that's often a more competitively priced, more flexible option than a plan sourced through the state exchange.

• Nationwide PPO networks with far more provider choice than a narrow marketplace HMO
• Rates priced on a preferred-health basis — the pricing model rewards healthy applicants specifically
• Low-to-$0 deductible structures available on select plans (plan-specific, always confirmed before you enroll)
• Many plans include telehealth access alongside in-person care

Maryland's Marketplace Landscape in 2026

Maryland Health Connection is the state's own marketplace platform — Maryland manages enrollment, plan options, and financial assistance directly rather than routing through HealthCare.gov. Maryland expanded Medicaid back in 2014, so there's no coverage gap for low-income adults the way there is in non-expansion states.

For 2026, Maryland actually led the nation in health plan enrollment, helped in part by a state premium assistance program that's softening the blow of expiring federal subsidies. That's good news for marketplace shoppers relying on subsidies — but for healthy applicants who don't qualify for much assistance, a private PPO plan is still frequently the better-priced, broader-network option.

General market information as of 2026, not a quote or guarantee for any specific plan. Marketplace rules and subsidy programs change year to year — always confirm current details for your situation.

Why Private PPO Often Fits Better Here

If you're healthy, self-employed, or running a business in Maryland, a medically-underwritten private PPO plan is frequently priced better than an equivalent Maryland Health Connection plan — because community rating there charges everyone in your area and age band the same rate regardless of health, while a private plan prices to your actual risk. We compare both, starting with private, before ever recommending the state exchange.

How It Works

• Tell us your situation — health, budget, and what matters most in a network.
• We compare private PPO plans and Maryland Health Connection options side by side, across 50+ carriers.
• You pick a plan, we handle enrollment. Zero cost to you, zero pressure.