Maryland operates its own state-based marketplace, Maryland Health Connection, rather than relying on HealthCare.gov. Residents shop for plans and apply for subsidies directly through the state exchange.
Maryland expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for coverage through the state's Medicaid program instead of a subsidized marketplace plan.
Maryland Health Connection has also offered state-funded subsidy programs at various points to supplement federal premium tax credits, so it's worth checking the current year's offerings rather than assuming only federal subsidies apply. Comparing plans across the Baltimore-Washington corridor versus more rural Eastern Shore counties is also useful, since network breadth can differ.