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Health insurance in St. Mary's County, Maryland

2,374 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

2,374Uninsured, subsidy range 138–400% of poverty
5.1%Uninsured, under 65 5,009 people
3.7%Uninsured, 50 to 64 804 people
97,687Under-65 residents 523rd 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

2,374 uninsured people in St. Mary's 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, 7.8% have no coverage.

How many people here have no coverage

5.1% of St. Mary's County's 97,687 under-65 residents have no health coverage — 5,009 people. That is below the Maryland rate of 7.2%, and puts St. Mary's County in the bottom quarter of the 3,143 counties measured nationally (3,012th).

Who falls under the Medicaid line

1,103 of St. Mary's 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

804 people aged 50 to 64 in St. Mary's County have no coverage, a rate of 3.7% — close to the 5.1% across all under-65 residents here. Age-rated premiums make this the most expensive group to cover before Medicare.

St. Mary's County against Maryland

St. Mary's County is the 12th largest of the 15 Maryland counties we publish. Its uninsured rate runs 2.1 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.

St. Mary's CountyMaryland National median
Uninsured, under 655.1% 7.2%9.8%
Uninsured in the subsidy band2,374 176,483—
Subsidy band as a share of uninsured47% 49% 51%
At or below 138% of poverty22% 25% 31%
Uninsured, 50 to 643.7% 5.4% 8.1%

Counties of a similar size

CountyUninsured In the subsidy bandShare
Cecil County5.7%2,39748%
Wicomico County8.0%3,29149%
Calvert County4.1%1,49947%
Washington County7.5%4,66551%

What a plan actually costs in St. Mary's 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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