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SB 5

Maryland Health Benefit Exchange – State–Based Young Adult Health Insurance Subsidies Pilot Program – Sunset Repeal

2025 Regular Session Introduced by Brian Feldman and 2 co-sponsors

Maryland makes permanent its young adult health insurance subsidy program, removing the sunset date to ensure ongoing financial assistance for ages 19-34 buying coverage through the state exchange.

Approved by the Governor - Chapter 722
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Bill Summary · SB 5

Legislative bill overview

SB 5 repeals the sunset provision on Maryland's state-based young adult health insurance subsidies pilot program, making it permanent rather than temporary. The program provides financial assistance to help young adults (typically ages 19-34) afford health insurance coverage through the Maryland Health Benefit Exchange. By removing the expiration date, the legislation ensures ongoing funding and continuity of these subsidies.

Why is this important

Young adults historically have the lowest health insurance enrollment rates, partly due to cost barriers. This program addresses that gap by reducing premiums for a financially vulnerable demographic, which improves access to preventive care and reduces uncompensated emergency care costs. Making the program permanent signals state commitment to this population and allows for long-term planning by both insurers and beneficiaries.

Potential points of contention

  • Fiscal commitment: Permanent programs require ongoing state budget allocation; opponents may argue resources should be redirected to other healthcare priorities or that federal subsidies through the ACA should suffice
  • Scope and targeting: Questions about income thresholds, age ranges, and whether subsidies should be more narrowly targeted to lowest-income young adults versus broader eligibility
  • Program effectiveness data: Limited public discussion of pilot program outcomes, enrollment numbers, and cost-per-enrollee metrics that would justify permanent status

Compiled from official sources — confirm details with the bill’s official record.

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