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Health insurance in Montgomery County, Maryland

33,669 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

33,669Uninsured, subsidy range 138–400% of poverty
8.0%Uninsured, under 65 70,423 people
6.2%Uninsured, 50 to 64 12,882 people
879,564Under-65 residents 45th 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

Montgomery County has 33,669 uninsured residents earning inside the premium tax credit range, 48% of its uninsured total. That is near the 51% national median. Within that band itself, 13.9% have no coverage.

How many people here have no coverage

8.0% of Montgomery County's 879,564 under-65 residents have no health coverage — 70,423 people. That is close to the Maryland rate of 7.2%, and puts Montgomery County in the lower half of the 3,143 counties measured nationally (2,160th).

Who falls under the Medicaid line

16,438 of Montgomery County's uninsured — 23%, 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

12,882 people aged 50 to 64 in Montgomery County have no coverage, a rate of 6.2% — close to the 8.0% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

Montgomery County against Maryland

Montgomery County is the largest of the 15 Maryland counties we publish, by under-65 population. Its uninsured rate runs 0.8 points higher than Maryland overall and its subsidy-band share matches the state. Coverage among 50 to 64 year olds matches the Maryland picture.

Montgomery CountyMaryland National median
Uninsured, under 658.0% 7.2%9.8%
Uninsured in the subsidy band33,669 176,483—
Subsidy band as a share of uninsured48% 49% 51%
At or below 138% of poverty23% 25% 31%
Uninsured, 50 to 646.2% 5.4% 8.1%

The next largest counties

CountyUninsured In the subsidy bandShare
Prince George's County11.2%44,28251%
Baltimore County6.9%22,46349%
Anne Arundel County5.4%12,79848%
Baltimore city7.8%17,14049%

What a plan actually costs in Montgomery 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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