Affordable Health Insurance | Holy Cross Health
Archived: 2026-04-23 17:18
Affordable Health Insurance | Holy Cross Health
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Affordable Health Insurance
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You can enroll in or change plans if you have certain life changes, or qualify for Medicaid or CHIP.
Learn how to enroll or change your current plan
.
If you’re eligible for Medicaid, you can enroll at any time.
Important Information About Applying for Medicaid or Health Insurance Through Maryland Health Connection
Medicaid eligibility
Qualified health and dental plan eligibility
Income requirements for financial help
Enrollment information
Get answers
Medicaid Eligibility
Open
enrollment is year-round
,
but you must re-apply annually
to maintain coverage.
Age 18-64 (or Maryland Children's Health Program, if under 18)
Must be a legal permanent resident of Maryland, living in the U.S. for more than five years. However, pregnant women and children who are legally residing are Medicaid-eligible regardless of time in the US.
Learn more about Medicaid enrollment and renewal and selecting a managed care organization (MCO)
Qualified Health and Dental Plans through Maryland Health Connection
Must be lawfully present resident of Maryland
Under the age of 65
Qualifying life events that may allow you to enroll in coverage outside of Open Enrollment:
Getting married or divorced
Having a child, adopting a child, or placing a child for adoption or in foster care
Certain changes in income
Moving to or from Maryland, and moving within the state
Having a change in disability status
Gaining or losing a dependent
Certain losses of other health coverage (such as employer ending coverage, or loss of job or employee leaving a job that provides coverage, but not termination because you didn’t pay your plan premium)
Becoming ineligible for Medicaid or MCHP
Turning 26 years old if you are enrolled in coverage through your family’s plan
COBRA coverage period ends
The Health Insurance Marketplace is Open
Special enrollment period: Feb. 15 – May 15, 2021
During this time of economic distress and displacement, the Health Insurance Marketplace will reopen for a
special enrollment period beginning Feb. 15, 2021, and lasting through May 15, 2021
. This will provide more Americans with immediate access to affordable health care coverage.
Holy Cross Health encourages all who are uninsured or underinsured,
including those who have lost employer-sponsored health insurance, to turn to
HealthCare.Gov
for assistance.
The marketplace is trusted and appreciated by the 11.4 million Americans who currently use it to select their health insurance policies.
Holy Cross Health is committed to the principle that health care is a basic human right and that all Americans should have access to high-quality, comprehensive health care. Trinity Health contracts with multiple marketplace insurers in each of our markets.
More than 10 percent of the commercially insured people we serve in our communities purchase their health insurance from the marketplace.
Additionally, we support reopening the marketplace, as it will expand opportunity for communities hardest hit by COVID-19 and is a critical step toward achieving racial equity.
If you need health insurance, help is here. Just call the Marketplace at
1-800-318-2596
.
Learn More
Having health insurance reduces or eliminates your risk of facing a major expense if you or a family member suffers from an illness or injury.
Health insurance can be affordable. For some, government subsidies offset the cost of insurance. Others may be eligible for Medicaid when previously they were not. Avoiding penalties for not having insurance should be a factor too. Most importantly, health insurance provides peace of mind.
For millions of uninsured or underinsured people, the Health Insurance Marketplace allows you to compare plans to find one that fits your budget and coverage needs. Based on income and family size, you may even qualify to receive financial assistance when purchasing these plans.
What Will the Health Insurance Marketplace Plans Cover?
All plans include coverage for doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternity and newborn care, pediatric services, laboratory services, rehabilitative services and devices, and mental health and substance use disorder services. Plans can also offer benefits like vision, dental, or medical management programs for specific diseases or conditions.
Health insurance Marketplace plans fall into four categories – Bronze, Silver, Gold, Platinum. Each plan has its own monthly and out-of-pocket costs:
Bronze
covers 60% of the total average costs of care
Silver
covers 70% of the total cost of care
Gold
covers 80% of the total cost of care
Platinum
covers 90% of the total cost of care
The Special Enrollment Period Begins Feb. 15, 2021
If you do not have health insurance, you can sign up for 2021 coverage during a special open enrollment, February 15, 2021 – March 15, 2021. You can shop for plans by phone, through a broker, or at the online Marketplace, where you can compare benefits and costs easily.
If you currently have "charity care," you should sign up for health coverage. With health insurance, you will be covered for things like doctors' visits and prescription medicines, which are not covered now – and may not be covered when your charity care coverage ends.
You can also visit
Healthcare.gov
for additional information.
Financial Assistance
A surprisingly large number of people qualify for financial help when buying health insurance through the Marketplace. By using one of the calculators available, you can estimate how much assistance you could obtain—before you even visit the
Marketplace site
. However, only the Marketplace will let you know the exact assistance you can expect.
Financial Assistance Calculator
This tool offered by Healthcare.gov provides a quick view of income levels that qualify for savings. Certain individuals may qualify at different levels. You’ll learn your exact savings and plan prices when you fill out a Marketplace application.
Use Calculator
Another calculator option, from the Kaiser Family Foundation, is found below:
This tool developed by the Kaiser Family Foundation estimates health insurance premiums and subsidies for people purchasing insurance in the Marketplace.
Enter different incomes, ages, and family sizes to estimate your eligibility for subsidies and how much you could spend on health insurance:
Use Calculator
2021 Financial Assistance Income Chart
Look for your income and household size on this chart to see whether you qualify for financial assistance when purchasing health insurance.
Household Size
100%
133%
150%
200%
300%
400%
1
$12,760
$16,971
$19,140
$25,520
$38,280
$51,040
2
$17,240
$22,929
$25,860
$34,480
$51,720
$68,960
3
$21,720
$28,888
$32,580
$43,440
$65,160
$86,880
4
$26,200
$34,846
$39,300
$52,400
$78,600
$104,800
5
$36,080
$40,804
$46,020
$61,360
$92,040
$122,720
Be Sure to Pick a Plan that Includes Holy Cross Health in Its Network
When you compare plans, you'll be able to see which hospitals are included in each one.
Be sure to choose a plan that includes Holy Cross Health in its network so you'll always have the latest treatment options, leading-edge technology, and the region's top-rated and most experienced physicians offering care centered around you and your needs.
To learn more and find a plan right for you, call Holy Cross Health to speak to someone who can help direct you.
Preventive Care Services
All marketplace plans must cover the following list of preventive services without charging you additional fees (copayment or coinsurance), even if you haven't paid your yearly deductible. However, you must receive these services from a healthcare provider in your network. Screenings are also available based on certain criteria and conditions.
Preventive Screenings For Children
Alcohol and drug use assessments for adolescents
Autism screening
Behavioral assessments
Blood pressure screening
Cervical dysplasia screening
Depression screening
Developmental screening
Dyslipidemia screening
Fluoride chemoprevention supplements
Gonorrhea-preventive medication
Hearing screening
Height, weight and body mass index measurements
Hematocrit or hemoglobin screening
Hemoglobinopathies or sickle cell screening
HIV screening
Hypothyroidism screening
Immunization vaccines
Iron supplements
Lead screening
Medical history
Obesity screening and counseling
Oral health risk assessment
Phenylketonuria (PKU) screening
Sexually transmitted infection (STI) prevention counseling and screening
Tuberculin testing
Vision screening
Preventive Screenings For Women
Anemia screening
Breast cancer genetic test counseling (BRCA)
Breast cancer mammography screenings
Breast cancer chemoprevention counseling
Breastfeeding comprehensive support and counseling
Cervical cancer screening
Chlamydia infection screening
Contraception
Domestic and interpersonal violence screening and counseling
Folic acid supplements
Gestational diabetes screening
Gonorrhea screening
Hepatitis B screening
HIV screening and counseling
Human papillomavirus (HPV) test
Osteoporosis screening
Rh incompatibility screening
Sexually transmitted infection (STI) counseling
Syphilis screening
Tobacco use screening and interventions
Urinary tract or other infection screening
Well-woman visits
Preventive Screenings For All Adults
Abdominal aortic aneurysm one-time screening
Alcohol misuse screening and counseling
Aspirin use
Blood pressure screening
Cholesterol screening
Colorectal cancer screening
Depression screening
Diabetes (Type 2) screening
Diet counseling
HIV screening
Vaccines and immunizations
Obesity screening and counseling
Sexually transmitted infection (STI) prevention counseling
Syphilis screening
Tobacco use screening
Enrollment Information
How to Enroll
Maryland Health Connection is the state's marketplace where residents can compare health insurance options, apply for coverage, and enroll in Medicaid, qualified health plans, and qualified dental plans. Open enrollment has ended but you can apply for Medicaid year-round and enroll if you've had a
major life change
.
Online:
www.marylandhealthconnection.gov
Mobile App:
Download the free MHC app available in iTunes and the Google Play Store
Phone:
1-855-642-8572 (toll free) or TTY 1-855-642-8573
In-person at an Enrollment Center:
Visit the
Montgomery County Health Connection
website to find a location near you.
Information Needed to Enroll
For each family members who need coverage:
Social security numbers or immigration/citizen status documents
Birth dates
Employer and income information (e.g., paystub or W-2 wage)
Tax returns for the previous year
Policy numbers for any current health insurance
Information about any job-related coverage you or someone in your household is eligible for
Photo ID if applying in person
Get Answers
FAQs
Resources & Fact Sheets
Skip to main content
Close
MyChart
In this section
Care Sites
Holy Cross Health Partners
Affordable Health Insurance
In this section
You can enroll in or change plans if you have certain life changes, or qualify for Medicaid or CHIP.
Learn how to enroll or change your current plan
.
If you’re eligible for Medicaid, you can enroll at any time.
Important Information About Applying for Medicaid or Health Insurance Through Maryland Health Connection
Medicaid eligibility
Qualified health and dental plan eligibility
Income requirements for financial help
Enrollment information
Get answers
Medicaid Eligibility
Open
enrollment is year-round
,
but you must re-apply annually
to maintain coverage.
Age 18-64 (or Maryland Children's Health Program, if under 18)
Must be a legal permanent resident of Maryland, living in the U.S. for more than five years. However, pregnant women and children who are legally residing are Medicaid-eligible regardless of time in the US.
Learn more about Medicaid enrollment and renewal and selecting a managed care organization (MCO)
Qualified Health and Dental Plans through Maryland Health Connection
Must be lawfully present resident of Maryland
Under the age of 65
Qualifying life events that may allow you to enroll in coverage outside of Open Enrollment:
Getting married or divorced
Having a child, adopting a child, or placing a child for adoption or in foster care
Certain changes in income
Moving to or from Maryland, and moving within the state
Having a change in disability status
Gaining or losing a dependent
Certain losses of other health coverage (such as employer ending coverage, or loss of job or employee leaving a job that provides coverage, but not termination because you didn’t pay your plan premium)
Becoming ineligible for Medicaid or MCHP
Turning 26 years old if you are enrolled in coverage through your family’s plan
COBRA coverage period ends
The Health Insurance Marketplace is Open
Special enrollment period: Feb. 15 – May 15, 2021
During this time of economic distress and displacement, the Health Insurance Marketplace will reopen for a
special enrollment period beginning Feb. 15, 2021, and lasting through May 15, 2021
. This will provide more Americans with immediate access to affordable health care coverage.
Holy Cross Health encourages all who are uninsured or underinsured,
including those who have lost employer-sponsored health insurance, to turn to
HealthCare.Gov
for assistance.
The marketplace is trusted and appreciated by the 11.4 million Americans who currently use it to select their health insurance policies.
Holy Cross Health is committed to the principle that health care is a basic human right and that all Americans should have access to high-quality, comprehensive health care. Trinity Health contracts with multiple marketplace insurers in each of our markets.
More than 10 percent of the commercially insured people we serve in our communities purchase their health insurance from the marketplace.
Additionally, we support reopening the marketplace, as it will expand opportunity for communities hardest hit by COVID-19 and is a critical step toward achieving racial equity.
If you need health insurance, help is here. Just call the Marketplace at
1-800-318-2596
.
Learn More
Having health insurance reduces or eliminates your risk of facing a major expense if you or a family member suffers from an illness or injury.
Health insurance can be affordable. For some, government subsidies offset the cost of insurance. Others may be eligible for Medicaid when previously they were not. Avoiding penalties for not having insurance should be a factor too. Most importantly, health insurance provides peace of mind.
For millions of uninsured or underinsured people, the Health Insurance Marketplace allows you to compare plans to find one that fits your budget and coverage needs. Based on income and family size, you may even qualify to receive financial assistance when purchasing these plans.
What Will the Health Insurance Marketplace Plans Cover?
All plans include coverage for doctor visits, hospital stays, wellness care, prescriptions, emergency services, maternity and newborn care, pediatric services, laboratory services, rehabilitative services and devices, and mental health and substance use disorder services. Plans can also offer benefits like vision, dental, or medical management programs for specific diseases or conditions.
Health insurance Marketplace plans fall into four categories – Bronze, Silver, Gold, Platinum. Each plan has its own monthly and out-of-pocket costs:
Bronze
covers 60% of the total average costs of care
Silver
covers 70% of the total cost of care
Gold
covers 80% of the total cost of care
Platinum
covers 90% of the total cost of care
The Special Enrollment Period Begins Feb. 15, 2021
If you do not have health insurance, you can sign up for 2021 coverage during a special open enrollment, February 15, 2021 – March 15, 2021. You can shop for plans by phone, through a broker, or at the online Marketplace, where you can compare benefits and costs easily.
If you currently have "charity care," you should sign up for health coverage. With health insurance, you will be covered for things like doctors' visits and prescription medicines, which are not covered now – and may not be covered when your charity care coverage ends.
You can also visit
Healthcare.gov
for additional information.
Financial Assistance
A surprisingly large number of people qualify for financial help when buying health insurance through the Marketplace. By using one of the calculators available, you can estimate how much assistance you could obtain—before you even visit the
Marketplace site
. However, only the Marketplace will let you know the exact assistance you can expect.
Financial Assistance Calculator
This tool offered by Healthcare.gov provides a quick view of income levels that qualify for savings. Certain individuals may qualify at different levels. You’ll learn your exact savings and plan prices when you fill out a Marketplace application.
Use Calculator
Another calculator option, from the Kaiser Family Foundation, is found below:
This tool developed by the Kaiser Family Foundation estimates health insurance premiums and subsidies for people purchasing insurance in the Marketplace.
Enter different incomes, ages, and family sizes to estimate your eligibility for subsidies and how much you could spend on health insurance:
Use Calculator
2021 Financial Assistance Income Chart
Look for your income and household size on this chart to see whether you qualify for financial assistance when purchasing health insurance.
Household Size
100%
133%
150%
200%
300%
400%
1
$12,760
$16,971
$19,140
$25,520
$38,280
$51,040
2
$17,240
$22,929
$25,860
$34,480
$51,720
$68,960
3
$21,720
$28,888
$32,580
$43,440
$65,160
$86,880
4
$26,200
$34,846
$39,300
$52,400
$78,600
$104,800
5
$36,080
$40,804
$46,020
$61,360
$92,040
$122,720
Be Sure to Pick a Plan that Includes Holy Cross Health in Its Network
When you compare plans, you'll be able to see which hospitals are included in each one.
Be sure to choose a plan that includes Holy Cross Health in its network so you'll always have the latest treatment options, leading-edge technology, and the region's top-rated and most experienced physicians offering care centered around you and your needs.
To learn more and find a plan right for you, call Holy Cross Health to speak to someone who can help direct you.
Preventive Care Services
All marketplace plans must cover the following list of preventive services without charging you additional fees (copayment or coinsurance), even if you haven't paid your yearly deductible. However, you must receive these services from a healthcare provider in your network. Screenings are also available based on certain criteria and conditions.
Preventive Screenings For Children
Alcohol and drug use assessments for adolescents
Autism screening
Behavioral assessments
Blood pressure screening
Cervical dysplasia screening
Depression screening
Developmental screening
Dyslipidemia screening
Fluoride chemoprevention supplements
Gonorrhea-preventive medication
Hearing screening
Height, weight and body mass index measurements
Hematocrit or hemoglobin screening
Hemoglobinopathies or sickle cell screening
HIV screening
Hypothyroidism screening
Immunization vaccines
Iron supplements
Lead screening
Medical history
Obesity screening and counseling
Oral health risk assessment
Phenylketonuria (PKU) screening
Sexually transmitted infection (STI) prevention counseling and screening
Tuberculin testing
Vision screening
Preventive Screenings For Women
Anemia screening
Breast cancer genetic test counseling (BRCA)
Breast cancer mammography screenings
Breast cancer chemoprevention counseling
Breastfeeding comprehensive support and counseling
Cervical cancer screening
Chlamydia infection screening
Contraception
Domestic and interpersonal violence screening and counseling
Folic acid supplements
Gestational diabetes screening
Gonorrhea screening
Hepatitis B screening
HIV screening and counseling
Human papillomavirus (HPV) test
Osteoporosis screening
Rh incompatibility screening
Sexually transmitted infection (STI) counseling
Syphilis screening
Tobacco use screening and interventions
Urinary tract or other infection screening
Well-woman visits
Preventive Screenings For All Adults
Abdominal aortic aneurysm one-time screening
Alcohol misuse screening and counseling
Aspirin use
Blood pressure screening
Cholesterol screening
Colorectal cancer screening
Depression screening
Diabetes (Type 2) screening
Diet counseling
HIV screening
Vaccines and immunizations
Obesity screening and counseling
Sexually transmitted infection (STI) prevention counseling
Syphilis screening
Tobacco use screening
Enrollment Information
How to Enroll
Maryland Health Connection is the state's marketplace where residents can compare health insurance options, apply for coverage, and enroll in Medicaid, qualified health plans, and qualified dental plans. Open enrollment has ended but you can apply for Medicaid year-round and enroll if you've had a
major life change
.
Online:
www.marylandhealthconnection.gov
Mobile App:
Download the free MHC app available in iTunes and the Google Play Store
Phone:
1-855-642-8572 (toll free) or TTY 1-855-642-8573
In-person at an Enrollment Center:
Visit the
Montgomery County Health Connection
website to find a location near you.
Information Needed to Enroll
For each family members who need coverage:
Social security numbers or immigration/citizen status documents
Birth dates
Employer and income information (e.g., paystub or W-2 wage)
Tax returns for the previous year
Policy numbers for any current health insurance
Information about any job-related coverage you or someone in your household is eligible for
Photo ID if applying in person
Get Answers
FAQs
Resources & Fact Sheets