CoverME.gov is the website for the Maine Health Insurance Marketplace. CoverME.gov is designed to help find affordable health coverage for you and your family. Through CoverME.gov, you can compare qualified health insurance plans that include a comprehensive set of benefits and coverage. You can also apply for help to lower the cost of your health coverage. CoverME.gov can also help you find out if you qualify for free or low-cost coverage from MaineCare (Maine’s Medicaid program).
Until recently, Maine used the federal Health Insurance Marketplace at HealthCare.gov. The Made for Maine Health Coverage Act, which was passed by the Maine Legislature in 2020, authorized the creation of a State-run Marketplace. This allows Maine to tailor the shopping experience for Mainers, and to target outreach efforts to enroll even more residents in affordable coverage. To oversee this transition, the Maine Department of Health and Human Services (DHHS) created the Office of the Health Insurance Marketplace (OHIM). CoverME.gov is operated by OHIM.
The Easy Enrollment Tax Referral Program
In May 2022, the Maine State Legislature passed, and Governor Mills signed into law, a new act which is designed to make it easier to connect uninsured Mainers with MaineCare or a marketplace plan. It allows the Maine Revenue Services to share tax filer names and contact information with the Office of Health Insurance Marketplace if they agree by checking off a few boxes on their individual income tax form 1040ME.
- Easy Enrollment Proposed Rule Information
- The proposed Easy Enrollment Tax Referral Program rule
- The Easy Enrollment Tax Referral Program rulemaking fact sheet
- Advisory Group Information
- Advisory Group Members
- Hilary Schneider, Office of Health Insurance Marketplace, co-chair
- Joanne Rawlings-Sekunda, Bureau of Insurance, co-chair
- Tom Bell, Bureau of Insurance
- Debra Bartlett, DAFS, Bureau of Revenue Services
- Ian Yaffe, Office of Family Independence
- Beth Campbell, United Way of Southern Maine
- Laura Harper, CoverME.gov member
- Patty Lovell, Western Maine Community Action
- Kate Ende (primary) and Ceilidh Shea (alternate), Consumers for Affordable Health Care
- Marge Kilkelly, Dragonfly Cove Farm
- Megan Hannan, Maine Community Action Partnership
- Hibo Omer, New Mainers Public Health Initiative
- Theresa Cochran, Wabanaki Public Health and Wellness
- Robert "Bobby" Martin, Maine Primary Care Action
- Melissa Moody, MaineHealth Access to Care
- Dan Demeritt, Maine Association of Health Plans
- Dan Colacino, National Association of Benefits and Insurance Providers
Financial Information
The ongoing operation of CoverME.gov is funded by a user fee charged to insurance companies that use the platform to sell their plans. In 2021, this fee was 0.5% of total Marketplace premiums collected by Maine and 2.5% collected by the Federal government. In 2022, due to the launch of the state platform, the fee collected by Maine is 3% of total Marketplace premiums.