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 through CoverME.gov, Maine’s official health insurance Marketplace.
The Open Enrollment Period for CoverME.gov runs November 1st – January 15th. For coverage to begin on January 1, you must enroll on or before December 15, 2021. If you enroll between December 16 and January 15, your coverage will begin on February 1, 2022.
After Open Enrollment ends, you will have to wait until next fall for the next opportunity to enroll. The exception is if you have a qualifying life event -- like losing the insurance you get through your job, getting married or divorced, or having a baby. These events would qualify you for a special enrollment period, which means you may be eligible to enroll in a plan outside of the annual Open Enrollment period.
Visit CoverME.gov for more information about plan options and financial assistance available to make coverage affordable.
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 (BOI) provides a Guide to Health Insurance (PDF) specifically for small business owners. Assistance is currently available to help small businesses enrolled in fully-insured, community-rated small group comprehensive health insurance plans. Visit the BOI website for information about the Small Business Health Insurance Premium Support Program.