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"[Under the proposal, when] uninsured Marylanders ... file state income tax returns, they will receive notice that, unless they would rather pay a penalty and get nothing back, their money will instead be used as a down payment to help them buy insurance.... [T]he Maryland health insurance exchange will see whether the consumer is offered a plan that costs no more than the down payment plus any federal premium tax credit (PTC) for which the consumer qualifies. If such a plan is available, the consumer is enrolled, at zero additional cost.... If no zero-cost plan is available, the down payment is saved in an interest-bearing account that the consumer can use to buy insurance during the next open enrollment period."

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