Maine's Insurance Superintendent: "Fewer Than Two Weeks Left to Buy Major Medical Health Insurance"

December 3, 2018


Contact: Judith Watters, Consumer Outreach Specialist


Augusta -

"I am concerned that people in Maine who want to purchase major medical health insurance on the ACA's Individual Marketplace may not act in time to have coverage in 2019," Maine Insurance Commissioner Eric Cioppa said today.

Cioppa noted his concern is based on reports from the federal Centers for Medicare and Medicaid indicating that enrollment in Maine is down significantly compared to this time last year.

"Several theories exist as to why that is," he stated. "For instance, more people may be enrolled in their employers' plans. Others may be choosing to go without coverage due to cost; I urge these individuals to at least consider the options available."

After December 15th, Mainers who need coverage will only be able to purchase major medical insurance for 2019 if they have a change in life circumstance that qualifies them for a Special Enrollment Period.

Cioppa mentioned that Maine's success in relaunching the Maine Guaranteed Access Reinsurance Association (MGARA) program for 2019, based on a federal Section 1332 Innovation Waiver, was good news for Mainers.

"This waiver and relaunch of the MGARA program kept rates from rising as much as they would have otherwise. In fact, some rates decreased for 2019. It also brought one insurer back onto the Marketplace. Mainers have more options for 2019 and I hope they take advantage of them," he stated.

Anyone who is eligible for a subsidy must go through when they purchase, to have the subsidy applied.

Those who don't qualify for subsidies are encouraged to use the Bureau's rate calculator at, which includes both Marketplace and off-Marketplace plans.

Consumers can contact the insurers directly to ask questions about covered services, providers, medications, and cost-sharing or to purchase unsubsidized plans.

Mainers who need help getting started, or have health insurance related questions, are invited to call the Bureau's Consumer Health Care Division Monday through Friday, 8 a.m. to 5 p.m., at 800-300-5000 (in state) or 207-624-8475 (for TTY, call Maine Relay 711). Questions can also be emailed to

Last Updated: December 3, 2018 5:31 PM