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Health insurance in Harford County, Maryland

4,428 people here have no coverage and earn in the range a premium tax credit is built for — 47% of everyone uninsured in the county.

Reviewed September 4, 2026 · 2024 Census data

4,428Uninsured, subsidy range 138–400% of poverty
4.4%Uninsured, under 65 9,500 people
3.3%Uninsured, 50 to 64 1,760 people
215,981Under-65 residents 275th 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

4,428 uninsured people in Harford County earn inside the premium tax credit range — 47% of the county's uninsured. That is near the 51% national median. Within that band itself, 6.8% have no coverage.

Comparatively few people go uncovered

4.4% of Harford County's 215,981 under-65 residents have no health coverage — 9,500 people. That is below the Maryland rate of 7.2%, and puts Harford County in the bottom quarter of the 3,143 counties measured nationally (3,091st).

Relatively few are under the Medicaid line

2,029 of Harford County's uninsured — 21%, 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

1,760 people aged 50 to 64 in Harford County have no coverage, a rate of 3.3% — close to the 4.4% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Harford County against Maryland

Harford County is the 8th largest of the 15 Maryland counties we publish. Its uninsured rate runs 2.8 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.

Harford CountyMaryland National median
Uninsured, under 654.4% 7.2%9.8%
Uninsured in the subsidy band4,428 176,483—
Subsidy band as a share of uninsured47% 49% 51%
At or below 138% of poverty21% 25% 31%
Uninsured, 50 to 643.3% 5.4% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
Frederick County5.4%6,39748%
Howard County4.7%5,75843%
Charles County4.9%3,30446%
Carroll County4.4%2,80345%

What a plan actually costs in Harford 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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