For Assistance Call Consumers for Affordable Health Care:


What is a “Special Enrollment Period”?

Some people may be able to enroll in a Health Insurance Marketplace plan
n if the Open Enrollment period is closed. Examples are if you:

  • get married or had a baby or adopted a child,
  • had a change in immigration status,
  • were recently released from jail,
  • lost health insurance, but not if loss is due to unpaid premiums or voluntarily dropping COBRA.
Note for Parents:

Children under age 26 are allowed to stay on their parent’s health insurance plan; however, if they are going to school or live out-of-state, there may be other options available that provide better coverage in the state where they live. Most health insurance plans have a provider network that is limited to a specific geographical area and therefore may not provide coverage in the state your child is living in. 

Many Mainers qualify for help paying for health insurance through the Marketplace.

Marketplace health insurance is available to people and families who are not offered affordable coverage through work or who don’t qualify for public programs such as MaineCare or Medicare.

Open Enrollment to buy Marketplace health insurance for 2021 has ended.

Open Enrollment opens again on November 1st and ends December 15, 2021 for coverage that will start on January 1, 2022. If you do not enroll in a Marketplace plan during Open Enrollment, you may not be able to buy health coverage unless you qualify for a Special Enrollment Period.

You can apply for Marketplace health coverage at or by calling 1.800.318.2596 (TTY 1.855.889.4325).

Make sure you are visiting, as there are other healthcare websites trying to sell plans that don’t cover the ten essential health benefits

People with income below 400% of the Federal Poverty Level (FPL) are eligible for help paying their monthly premiums. Many Mainers are eligible for Advanced Premium Tax Credits (APTC) that reduce what you pay each month for Marketplace coverage. See the Chart below to see if you may get help paying for your coverage.

People with income between 138% – 250% of the Federal Poverty Level (FPL) are eligible for both APTCs and Cost Sharing Reductions (CSRs).

To determine your eligibility to receive APTCs and CSRs, you need to look at the number of individuals in your household and the income of the household members.  The chart below are the 2020 FPL guidelines, which are used to determine eligibility for 2021 coverage. **Please note these income guidelines will change for 2022 coverage.  Please call for help determining your eligibility after 12/15/2020.

Income levels for free/low-cost MaineCare and Marketplace assistance

MaineCare (Adult 21-64)*Help with Marketplace monthly payments and cost sharingHelp with monthly Marketplace payments
Household Sizeup to 138% FPLup to 250% FPLup to 400% FPL
*Some people including 19 and 20 year-old young adults, pregnant women, people with disabilities, older Mainers and others are eligible at higher income levels. Visit for more information about MaineCare eligibility.

Need Help? You can call Maine’s Consumer Assistance HelpLine at Consumers for Affordable Health Care. 1.800.965.7476 or find local, in person help by visiting our How to Get Help page.

Below you can also find more information on:

Medicare plans and plans offered through employers may have different open enrollment periods. 

Not eligible for Marketplace coverage? You or your family members may qualify for MaineCare.