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Health insurance in Carroll County, Maryland

2,803 people here have no coverage and earn in the range a premium tax credit is built for — 45% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

2,803Uninsured, subsidy range 138–400% of poverty
4.4%Uninsured, under 65 6,201 people
3.4%Uninsured, 50 to 64 1,234 people
142,451Under-65 residents 390th of 3,143

Source: US Census Small Area Health Insurance Estimates, 2024 release. Income bands are measured against the federal poverty level.

How many here a premium tax credit would reach

2,803 uninsured people in Carroll County earn inside the premium tax credit range — 45% of the county's uninsured. That is near the 51% national median. Within that band itself, 6.9% have no coverage.

Comparatively few people go uncovered

4.4% of Carroll County's 142,451 under-65 residents have no health coverage — 6,201 people. That is below the Maryland rate of 7.2%, and puts Carroll County in the bottom quarter of the 3,143 counties measured nationally (3,090th).

Relatively few are under the Medicaid line

1,202 of Carroll County's uninsured — 19%, below the 31% typical of counties nationally — earn under $22,025 a year, which in Maryland is Medicaid territory rather than marketplace territory.

The years before Medicare

1,234 people aged 50 to 64 in Carroll County have no coverage, a rate of 3.4% — close to the 4.4% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Carroll County against Maryland

Carroll County is the 10th largest of the 15 Maryland counties we publish. Its uninsured rate runs 2.8 points lower than Maryland overall and 4 points fewer of its uninsured sit in the subsidy band than statewide. Coverage among 50 to 64 year olds is better here than across Maryland.

Carroll CountyMaryland National median
Uninsured, under 654.4% 7.2%9.8%
Uninsured in the subsidy band2,803 176,483—
Subsidy band as a share of uninsured45% 49% 51%
At or below 138% of poverty19% 25% 31%
Uninsured, 50 to 643.4% 5.4% 8.1%

The nearest by population

CountyUninsured In the subsidy bandShare
Charles County4.9%3,30446%
Washington County7.5%4,66551%
St. Mary's County5.1%2,37447%
Cecil County5.7%2,39748%

What a plan actually costs in Carroll County

These figures say how many people here a credit would reach. What it would be worth to you depends on your age, household and income — a licensed agent can work that out on the call.

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