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Maryland license lookup

How to check an insurance agent's license in Maryland

Before you share your Medicare number or sign anything, take two minutes to confirm the agent is licensed in Maryland. Here's where to look, and what you should see.

Last reviewed October 26, 2026. General information, not advice about any plan.

Look the agent up in Maryland

  1. Ask for their full name and NPN

    Every licensed agent has a National Producer Number. A real agent will give it to you without hesitation.

  2. Open the Maryland Insurance Administration's license lookup

    Maryland agent license lookup. It's the official lookup from the Maryland Insurance Administration. Search by name or license number. The page notes its data may not be fully current; NAIC's national lookup shows the latest status.

  3. Check four things

    The status is active, the license is for Maryland (resident or nonresident), it includes a health line of authority (in Maryland it's listed as "Accident & Health or Sickness"), and it hasn't expired.
Agents with our Verified badge have had these checks done by a person on our team, against the state's own records, and the badge shows the date. How we verify

What the results mean

Active
The license is current. This is what you want to see.
Inactive, expired or lapsed
The agent can't legally sell insurance in the state right now. Don't enroll through them.
Resident or nonresident
Resident means their home office is in Maryland. Nonresident means they're based in another state and licensed to work here. Both are fine.
Line of authority
The kinds of insurance they can sell. For Medicare plans, look for Accident & Health or Sickness. Life-only isn't enough.
Regulatory or disciplinary actions
Some lookups list fines or other actions. One old, small action may not mean much; several, or a revoked license, is a reason to look elsewhere.

Extra steps for Medicare plans

A state license is the first check. For Medicare plans, two more things apply:

  • Appointment: the agent must be appointed by the insurance company whose plan you're choosing. Ask which companies they represent in Maryland.
  • Yearly certification: agents who sell Medicare Advantage and Part D drug plans must complete each plan's training and testing every year.

Agents who sell for more than one company must also tell you, before discussing any plan's benefits, how many companies and plans they represent in your area. None of them works for Medicare.

Switching Medigap plans in Maryland

Birthday rule. Once a year, on your birthday and for 30 days after, you can switch to equal or lesser benefits from any insurer.

This applies to people who already have a Medicare Supplement policy. See every state's Medigap switching rule.

Medigap if you're under 65 in Maryland

Required, with limits. In Maryland, if you are under 65 and on Medicare because of a disability, insurers must sell you Plan A and Plan D, with no health questions, if you apply within 6 months after your Part B starts (or within 6 months of notice of retroactive enrollment); insurers may choose to offer other plans, and the law does not mention kidney failure (ESRD).

Price: Plan A can't cost more than the average Plan A premium for people 65 and older; Plan D has no such cap.

If you have Part B when you turn 65, you get a new 6-month Medigap open enrollment then. See every state's rule for people under 65.

If something looks wrong

Free, unbiased help in Maryland: SHIP

Every state has a free Medicare counseling program. In Maryland it's the Maryland State Health Insurance Assistance Program (SHIP). Its counselors are trained, don't sell anything, and can help you compare your options or check what an agent told you, for free.

Free help that isn't an agent

Medicare.gov, 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), or Maryland State Health Insurance Assistance Program (SHIP) at 1-800-243-3425.

Common questions

What license does an agent need to sell Medicare plans in Maryland?

A Maryland insurance license with a health line of authority (often called "Accident & Health" or "Health"). To sell a particular company's plans, the agent must also be appointed by that company, and agents who sell Medicare Advantage or Part D plans must complete the plan's training and testing every year.

Can an agent from another state help me in Maryland?

Yes, if they hold a Maryland license. Agents based elsewhere get a "nonresident" license for each state they work in. It shows up in the Maryland Insurance Administration's lookup the same way, marked nonresident.

Does it cost anything to check a license?

No. The lookup is free and open to the public, and you don't need an account.

What if I can't find the agent?

Check the spelling, try their National Producer Number (NPN) instead of their name, and ask whether their license is under a different legal name. If you still can't find an active license, don't share your Medicare number or sign anything, and contact the Maryland Insurance Administration.

Nearby states

Agents often work across state lines. Check that they're licensed in the state where you live.

Keep reading

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