The Health Coverage Tax Credit is designed to help pay 72.5% of your eligible health care premium. The IRS administers this tax credit, however Maryland (along with several other states) have been awarded monies to assist you with the advance payment program. Because enrolling with the IRS can take some time, Maryland is able to step in and help you with your health care premium while you complete your Federal HCTC enrollment.

Please note that MDHCTC does not replace the need to register with Federal HCTC.

Eligibility for the Health Coverage Tax Credit falls into three categories:

1) You receive benefits under Trade Adjustment Assistance (TAA) because your company was Trade Certified. (http://www.doleta.gov/tradeact/taa/taa_search_form.cfm)

2) You receive Alternative Trade Adjustment Assistance (ATAA) or Reemployment Trade Adjustment Assistance (RTAA) also because your company was Trade Certified

3) If you receive retirement benefits from the Pension Benefit Guaranty Corporation (PBGC) and                         are over the age of 55.


MDHCTC Application

All MDHCTC forms are in Adobe Acrobat format. Download Free Acrobat Reader

In addition to the above eligibility requirements, participants must also have qualified health insurance.

Maryland Health Insurance Plan (MHIP), 1-888-444-9016

Your COBRA coverage through a previous employer

Individual health coverage provided that you had that coverage at least 30 days prior to your last day of work

Your spouse's coverage provided his or her employer pays less than 50% of the premium on a pre-tax basis (not eligible for the advance credit)

Information may be obtained by calling 1-866-628-4282, or visiting the HCTC website.

The Department of Labor
Employment and Training Administration (DOLETA)
1-877-US-2JOBS
Visit the DOLETA website to see if your company is Trade Certified and for information on the Trade Act of 2002, Trade Adjustment Assistance (TAA) and Alternative Trade Adjustment Assistance (ATAA).

The Pension Benefit Guaranty Corporation (PBGC)
1-800-400-7242

Visit the PBGC website for more information on the PBGC

If you feel that you are eligible for MDHCTC, please choose the “Application” option above to apply today!