Health insurance provides financial protection from health care costs by covering some or all of the expenses of routine and emergency medical care. Many Americans receive health insurance as part of a benefit package offered by their employer, but there may be other options available if you do not have insurance through a job, or the coverage available to you is too expensive.
MaineCare provides free and low-cost health insurance and other help affording health care for people who meet certain requirements, such as income, age, or medical condition.
Medicare is a federal program that covers most seniors and many people with disabilities.
For help choosing a plan or understanding your Medicare benefits visit the State Health Insurance Assistance Program ("SHIP”)
Health Insurance for Veterans
The Maine Bureau of Veterans' Services provides information about health coverage for veterans.
Individual Marketplace Coverage
If you do not qualify for MaineCare you may still be eligible to receive financial assistance paying for your health insurance on HealthCare.Gov.
The open Enrollment period currently runs November 1 – December 15 of each year. However, you may qualify for a Special Enrollment Period if you've had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.
You can also visit CoverME.gov for more information.
Small Businesses Health Plans
Although businesses with 1-49 employees are not required to offer insurance coverage, many small business owners want to provide their employees with health benefits.
The Maine Bureau of Insurance provides a Guide to Health Insurance specifically for small business owners.