Baygroup Insurance

Maryland's premier Long-Term Care insurance agency


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Baygroup is a broker of individual health insurance policies.  We have access to individual health insurance policies from many different carriers, which means we can shop for a policy that is the best value for you. 

You will want to consider several items before deciding on a health insurance policy, including:

  • Out of pocket costs
  • Doctors that you have access to
  • Prescription coverage
  • Coverage limits
  • Your dependents

After we have an understanding of what you are looking for in an individual health insurance policy, we will shop around for a policy that meets your needs.  We will provide you with quotes from several carriers and help you compare the quotes to decide which value is best for you.

MD Health Connection logo

For information about Affordable Care Act.  Policies can be purchased through the health care exchange or directly with a carrier.  As an independent broker, Melissa Barnickel, can educate you and help you with individual health insurance on and off the Maryland Health Exchange.  

If you choose not to have health insurance, there no longer a penalty.

If you have one of these life events, you have 60 days to enroll or change plans - Special Enrollment Period

  • Getting married or divorced
  • Having a child, adopting a child, or placing a child for adoption or in foster care
  • Certain changes in income
  • Moving to Maryland, and some moves within the state
  • Gaining or losing a dependent
  • Certain losses of other health coverage, such as job-based coverage
  • Becoming ineligible for Medicaid or MCHP
  • COBRA coverage period ends
  • Change of citizenship or immigration status
  • Incarceration or release from incarceration
  • Change in status as an American Indian/Alaska Native
  • Getting pregnant: you have 90 days from the time your pregnancy is confirmed to enroll.
  • Turning 26 years old if you are enrolled in coverage on a parent’s plan. You have until the end of the year you turn 26 to enroll.

Otherwise, the next open enrollment period will begin from 11/1/XX to 12/15/20XX effective date 1/1/the following year

You can get an estimate on the Maryland Health Connection

If you have insurance through the MD Health Connection, it is important to read all the correspondence from them.

  • If you received financial help in a previous year for your health plan through Maryland Health Connection, you must file a federal tax return and include Form 8962 (PDF) for each year you received assistance in order to remain eligible for financial assistance in future years (even if you are not otherwise required to file taxes). This is a requirement under the Affordable Care Act. The process of comparing the financial help you received with your actual income at the end of the year is sometimes referred to as “reconciling” or "reconciliation."  More details on MD Health Connection.
  • Income will need to be updated to have an accurate advanced premium tax credit.
  • Log into your account and see if any action items are noted in your account - such as income verification.