Subsidies available depend on your income. Tax credits are available along with cost-sharing reductions. When looking for insurance coverage, you can apply for the premium tax credit to lower your premium. Cost-sharing reduction helps by reducing what people have to pay for deductibles, coinsurance, and copayments.Policymakers in the state introduced a new program that’s being piloted to help adults up to 34 years old get health insurance in Maryland. Adults in this age bracket qualify for this scheme if their income doesn’t go past 400% of the federal poverty level. This initiative subsidizes what they have to pay.