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.
The next Marketplace Open Enrollment period to buy health insurance begins November 1, 2020, for coverage that will start on January 1, 2021. If you did not enroll in a Marketplace plan during Open Enrollment, you may not be able to buy health coverage for 2020 after December 15, 2019 unless you qualify for a Special Enrollment Period.
Open Enrollment is the time of year when people can enroll in or renew their health plans. You won’t be able to buy marketplace health insurance outside of Open Enrollment unless you qualify for a Special Enrollment Period.
You can apply for health coverage in the Marketplace at www.healthcare.gov or by calling 1.800.318.2596 (TTY 1.855.889.4325).
Make sure you are visiting healthcare.gov, as there are other healthcare websites trying to sell plans that don’t cover the ten essential health benefits.
Those at or below 400% of the Federal Poverty Level (FPL) are eligible for Advanced Premium Tax Credits (APTC).
Those between 138% – 250% of the FPL are eligible for APTCs and Cost Sharing Reductions (CSR).
To determine your eligibility to receive APTC and CSR, you need to look at the number of individuals in a household and the income of the household members. The chart below are the 2019 FPL guidelines, which are used to determine eligibility for 2020 coverage.
% of Federal Poverty Level
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:
- Types of plans, and How to Choose the Right Plan for You,
- Cost and Cost Sharing Options for Paying for Your Insurance,
- Tips for Buying and Paying for Your Insurance, and
- General Marketplace FAQs.
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.