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Health insurance in Frederick County, Maryland

6,397 people here have no coverage and earn in the range a premium tax credit is built for — 48% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

6,397Uninsured, subsidy range 138–400% of poverty
5.4%Uninsured, under 65 13,459 people
4.1%Uninsured, 50 to 64 2,305 people
248,848Under-65 residents 238th 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

6,397 uninsured people in Frederick County earn inside the premium tax credit range — 48% of the county's uninsured. That is near the 51% national median. Within that band itself, 8.7% have no coverage.

How many people here have no coverage

5.4% of Frederick County's 248,848 under-65 residents have no health coverage — 13,459 people. That is below the Maryland rate of 7.2%, and puts Frederick County in the bottom quarter of the 3,143 counties measured nationally (2,962nd).

Relatively few are under the Medicaid line

2,726 of Frederick County's uninsured — 20%, 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

2,305 people aged 50 to 64 in Frederick County have no coverage, a rate of 4.1% — close to the 5.4% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Frederick County against Maryland

Frederick County is the 7th largest of the 15 Maryland counties we publish. Its uninsured rate runs 1.8 points lower than Maryland overall and its subsidy-band share matches the state. Coverage among 50 to 64 year olds is better here than across Maryland.

Frederick CountyMaryland National median
Uninsured, under 655.4% 7.2%9.8%
Uninsured in the subsidy band6,397 176,483—
Subsidy band as a share of uninsured48% 49% 51%
At or below 138% of poverty20% 25% 31%
Uninsured, 50 to 644.1% 5.4% 8.1%

The nearest by population

CountyUninsured In the subsidy bandShare
Howard County4.7%5,75843%
Harford County4.4%4,42847%
Charles County4.9%3,30446%
Carroll County4.4%2,80345%

What a plan actually costs in Frederick 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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