MGARA Information

More information about MGARA may be found on the MGARA website.

Federal Section 1332 State Innovation Waiver

2025 ME and Merged Market Annual Report (February 25, 2026) - PDF 

Pass-through Funding Report

• Section 1332 of the Patient Protection and Affordable Care Act (ACA) State
  Innovation Waivers – Pass-through Funding Report – Maine (Amended January 7, 2026)

Actuarial Reports

• 1332 Waiver Actuarial and Economic Report - Gorman Actuarial 1-26-22 (PDF) - 1.13 MB
• January 28th, 2022 Public Forum - Watch Recorded Meeting
  • Bureau Presentation
  • Gorman Presentation

Amendment Application

• 1332 ME Waiver Amendment Completeness Letter from CMS (PDF) - March 28, 2022
• Complete Maine Section 1332 State Waiver Amendment Application and Exhibits (Submitted February 10, 2022)
  • Maine Section 1332 State Waiver Cover Letter
  • Maine Section 1332 State Waiver Amendment Application
  • Appendix A - Authorizing Legislation
  • Appendix B - MGARA Amended & Restated Plan of Operation
  • Appendix C - Gorman Associates Actuarial & Economic Report
  • Appendix D - Notice of Public Comment Period and Forum
  • Appendix E - Presentations for the Public Hearing
  • Appendix F - Written Public Comments
  • Appendix G - Tribal Consultation Communications
  • Appendix H - Actuarial and Economic Appendix (PDF)

• Draft 1332 Waiver Amendment Application (PDF)
  • Appendix A: Authorizing Legislation (PDF)
  • Appendix B: MGARA Plan of Operation (PDF)
  • Appendix C: Actuarial and Economic Analyses (PDF)
  • Appendix D: Notice of Public Comment Period and Hearings (PDF)
    • Notice of Extended Comment Period (PDF)
  • Appendix E: Record of Public Comments (PDF)
  • Appendix F: Presentation from the Public Hearings (PDF)
• March 29, 2021 Public Hearing Recording (YouTube)
• March 22, 2021 Public Hearing Recording (YouTube)
• Modification of Public Notice Requirements Request and Determination (PDF)
• Letter of Intent to Submit a 1332 Waiver Application (PDF)
• Pooled Market Analyses

Waiver Implementation

• MGARA Final 2021 Reinsurance Waiver Annual Report (PDF)
• 1332 Waiver 2022 Public Forum Notice (PDF)
  • 2022 Post-Award Forum Maine Grantee Response (PDF)
  • ME 1332 Post-Award Forum Modification Determination 2022 (PDF)
• 1332 Waiver 2021 Public Forum Notice (PDF)
• MGARA Final 2019 Reinsurance Waiver Annual Report (PDF)
• MGARA Final 2020 Reinsurance Waiver Annual Report (PDF)

Waiver Application

• Complete Maine Section 1332 State Waiver Application and Exhibits (PDF) (Submitted May 9, 2018)

For faster loading, or to see one section at a time, use the following links:

• Section 1332 State Waiver Application (PDF)
• Exhibit A - Milliman Modeling - final (PDF)
• Exhibit B - MGARA Plan of Operation (PDF)
• Exhibit C - MGARA Auto Cede Conditions (PDF)
• Exhibit D - Bureau of Insurance Report re PL c488 (PDF)
• Exhibit E - 2017 PL c124 (PDF)
• Exhibit F - Notice of Public Comment Period and Information Meetings (PDF)
• Exhibit G - Power Point Presentation re Section 1332 Innovation Waiver (PPTX)
• Exhibit H - Written Comments (PDF)
• Exhibit I - Tribal Communication (PDF)
• Federal Waiver Questions & Maine Responses (PDF)