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  • Begins Nov 1 to Dec 15th for Jan1, 2018 effective date. For Md. Residents
  • Many will receive reduced monthly cost & deductibles due to government subsidies.
  • Carefirst of Md. & Kaiser Permanente will be only carriers offering coverage in Md.
  • Small group rates should be lower than individual rates for the first time here.
  • Open Enrollment for most is the only time benefits/carriers can be changed.
  • We are accepting appointments now for this 6 week Open Enrollment- so please give us a call to set up an appointment. Ed Kafes 410-484-2544



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