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Several options are available for individuals and families in the Maine health insurance marketplace. Because of the ACA “Affordable Care Act” Maine’s without access to job based health insurance coverage have many options to purchase health benefits which will qualify for minimum essential health coverage.
Maine options for purchasing health insurance plans are found in the state’s federally facilitated exchange or apply through public programs like Medicaid and CHIP. Health insurance is also available with the private market place through websites allowing you to enroll in ACA compliant coverage.
It was when the ACA “Affordable Care Act” had taken effect, requiring most Americans to purchase health care insurance, Maine chose to participate in the federally facilitated marketplace (this is also referred to as the federal exchange). Income based financial assistance which is made available for people who enroll in health plans through the health insurance exchange; these are ACA-compliant health plans. The assistance can help in lowering monthly premiums and the out of pocket healthcare expenses.
For income based premium tax credits and cost sharing subsidies
(Only those enrolled in plans through the market are eligible)
SHOP – Small Business Health Options Program – this is made available to employers who have 50 or less full-time employees allowing the business to offer health insurance through SHOP.
Maine has not expanded its Medicaid program. Qualifying for the program and receive benefits you must be a Maine state resident, permanent resident, legal alien, U.S. national, citizen that needs health care insurance assistance and who has a low or very low income. You also have to be either blind or pregnant or have a disability or have a family member in the household with a disability or be the one responsible for children that are under the age of 19, or be 65 years old or older.
This provides low cost health insurance for all kids that are eligible for Maine’s Children’s health Insurance Program, CHIP.