CostOfCity

How Much Does Health Insurance Cost in Baltimore, MD?

Monthly health insurance premium for individuals. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.

Typical Cost Range
$432 – $864
+8% vs national average
$432$648$864
LowNational avg: $600High

Baltimore vs State & National Average

CategoryBaltimoreMaryland AvgNational Avg
Average cost$648$646$600
Low estimate$432$485$450
High estimate$864$840$780

Detailed Cost Breakdown

ItemLowHigh
Low estimate$400$480
Average$540$660
High estimate$640$800

Health Insurance in Nearby Cities

Columbia, MD
$780
+30% vs national
Washington, DC
$912
+52% vs national
Harrisburg, PA
$540
-10% vs national
Dover, DE
$576
-4% vs national
Wilmington, DE
$612
+2% vs national

Frequently Asked Questions

How much does health insurance cost in Baltimore?

In Baltimore, MD, health insurance typically costs between $432 and $864. The average is $648, which is 8% above the national average.

Is Baltimore expensive for health insurance?

Baltimore has a cost-of-living index of 108 (100 = national average). Health Insurance costs are 8% higher than the national average of $600.

What factors affect health insurance costs in Baltimore?

Key factors include local labor costs, cost of materials, market competition, Maryland state regulations, and Baltimore's overall cost of living (index: 108/100). Prices can also vary by season and specific requirements.