Choosing and enrolling in health insurance can be confusing,
but it’s worth it to be covered.
Even if you haven’t qualified for coverage before, it’s time to check it out again: more Mainers are now eligible for free or low-cost plans.
Where to Start
There are two ways to apply: choose the one that’s best for you based on income and family size. If you think your current monthly income qualifies you for MaineCare, that’s your best choice. Everyone else can apply through HealthCare.gov—most Mainers will receive financial help to make their plan more affordable.
Feeling stuck or confused? Call 1-800-965-7476 for help choosing the right coverage.
MaineCare provides low-cost and free health insurance to Mainers who meet certain requirements, based mostly on household income.
What Does it Cover?
MaineCare covers doctor visits, emergencies, substance use disorder treatment, prescription drugs, and more.
Am I Eligible?
You probably qualify for MaineCare if your current monthly income (before you pay taxes) is at or below the limits in the chart below:
|Household Size||Pregnant Women
(add 1 to household size for each baby expected)
|Each additional family member||$789||$594||$509|
Even if you make more, you may still qualify.
You can find more detailed income limits in this summary of eligibility guidelines. And you can call 1-800-965-7476 to get in-person help understanding your specific situation from Consumers for Affordable Health Care.
You can apply for MaineCare at any time of the year, but don’t wait to get covered.
Most Mainers who don’t have affordable coverage through their job, and who don’t qualify for other insurance (like MaineCare, Medicare, or Military or Veterans coverage) can apply for quality coverage through the Health Insurance Marketplace at HealthCare.gov.
Is There Financial Assistance?
Depending on your income, you may also receive financial assistance from the federal government to make your plan more affordable. Last year, 89% of Mainers who enrolled through HealthCare.gov got a tax credit to reduce their monthly premium.
Who Qualifies for Financial Assistance?
If your income is at or below these limits, you likely qualify for financial help, but even if you make more you should check out the options available:
|Household Size||Expected Annual Income for 2020|
|Each additional family member||Add $17,680
Shop for plans today—the open enrollment period for a health plan for 2020 starts on November 1st and ends on December 15th.
For help understanding your choices or filling out your application, call 1-800-965-7476.
STILL NOT SURE?
Even if you’re not sure what coverage you qualify for, apply online through HealthCare.gov. Filling out an application there will make sure you’re connected to the best option for you.
OWN A SMALL BUSINESS?
If you own a business, visit the Bureau of Insurance’s small business guide to learn more about options and considerations for offering coverage, and view rates for 2020 plans. If you have employees who aren’t covered, encourage them to visit CoverME.gov to understand their options for insurance through MaineCare or HealthCare.gov.