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Health insurance in Charles County, Maryland

3,304 people here have no coverage and earn in the range a premium tax credit is built for — 46% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

3,304Uninsured, subsidy range 138–400% of poverty
4.9%Uninsured, under 65 7,112 people
3.9%Uninsured, 50 to 64 1,405 people
145,579Under-65 residents 383rd 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

3,304 uninsured people in Charles County earn inside the premium tax credit range — 46% of the county's uninsured. That is near the 51% national median. Within that band itself, 7.2% have no coverage.

Comparatively few people go uncovered

4.9% of Charles County's 145,579 under-65 residents have no health coverage — 7,112 people. That is below the Maryland rate of 7.2%, and puts Charles County in the bottom quarter of the 3,143 counties measured nationally (3,036th).

Relatively few are under the Medicaid line

1,536 of Charles County's uninsured — 22%, 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

1,405 people aged 50 to 64 in Charles County have no coverage, a rate of 3.9% — close to the 4.9% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Charles County against Maryland

Charles County is the 9th largest of the 15 Maryland counties we publish. Its uninsured rate runs 2.3 points lower than Maryland overall and 2 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.

Charles CountyMaryland National median
Uninsured, under 654.9% 7.2%9.8%
Uninsured in the subsidy band3,304 176,483—
Subsidy band as a share of uninsured46% 49% 51%
At or below 138% of poverty22% 25% 31%
Uninsured, 50 to 643.9% 5.4% 8.1%

The next largest counties

CountyUninsured In the subsidy bandShare
Carroll County4.4%2,80345%
Washington County7.5%4,66551%
St. Mary's County5.1%2,37447%
Cecil County5.7%2,39748%

What a plan actually costs in Charles 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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