 
Winter and the holidays may increase your risk due to increased travel, shopping for gifts, social gatherings, weather conditions, and more. We know this time of year can be extra busy, but we've made it easy with these resources. Now is the time to make sure you are ready for the winter season ahead and have adequate insurance coverage.
Our gifts to you:
We are so grateful for the opportunity to serve the people of the great state of Maryland! Happy Holidays & Happy New Year!
While the Maryland Insurance Administration does not sell insurance and we cannot recommend a particular policy or insurance company, we do want to help you learn what types of coverages are available. Additionally, we are here to assist you if you have a complaint involving an insurer, an insurance producer, public adjuster or adviser.
Know the details when you shop for health insurance coverage. It is important to read these Health Insurance Shopping Tips before you make your purchase.
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You can enroll in a health plan through the Maryland Health Connection by January 15, 2026. The Maryland Health Connection is Maryland's official health insurance marketplace and the only place to get financial help.
Life changes fast — get health insurance with benefits you can count on, like doctor visits, mental health care, and more.
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Use caution and make sure you are shopping from official sources, like the Maryland Health Connection. The Maryland Insurance Administration is concerned about misleading marketing by unlicensed companies, scammers, and those selling limited-benefit health plans. Learn how to spot a fake website.
  Join the Maryland Health Connection and the Maryland Insurance Administration for a presentation on How to Use your Health Coverage and get your questions answered, such as:
- What is a deductible?
- What is a co-pay?
- Do I need to stay in-network when I see a doctor?
- What if I have a problem with my health insurance?
Bring your own questions for a Q & A session at the end.
Looking for other types of events? The Maryland Insurance Administration is eager to help you! MIA representatives are out and about in your communities -- we're also virtual. To find an event, visit our website.
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Prevent Frozen Pipes
Water has a unique property -- it expands as it freezes. No matter the strength of your pipes, expanding water can cause them to break. Visit our website for tips on how to prevent frozen pipes.
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Got Sled?
Is your ride ready? Before you go dashing through the snow, check your auto policy and review your liability limits to make sure you have adequate protection. Visit our website for resources.
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Make room!
Half of home heating fires are reported during the months of December, January, and February. Keep anything that can burn at least three-feet away from heating equipment, like the furnace, fireplace, wood stove, or portable space heater. For more fire safety tips, click here.
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 The Maryland Insurance Administration shares Consumer Advisories to inform and educate consumers. Often times, these advisories are in direct response to current events or trends in the insurance industry. Make sure you didn't miss these important messages:
Health Coverage Assistance Team
If you have questions related to your health coverage, we encourage you to reach out for free assistance from the Health Coverage Assistance Team (H-CAT), also available in Spanish.
- Get answers to your health insurance questions.
- Address health insurance problems or concerns.
- File a complaint about your health insurance issue or concern.
- Connect you to resources.
Medical Necessity & Emergency Appeals
Would you know what to do if you are denied insurance coverage for medically necessary care or emergency appeals? You can reach the Maryland Insurance Administration 24/7, 365 days per year. Call our 24/7 Hotline at 1-800-492-6116 or click here for more information.
Mental Health Resources Page
You should treat your mental health as seriously as you treat your physical health. If you need help, but don’t know where to find it, we have resources available on our website.
Planning to travel for the holidays? Worried you might lose your luggage? Before you travel, visit our website for travel insurance tips and information.
Past Newsletters
To view all previously shared newsletters, click here.
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