For Assistance Call Consumers for Affordable Health Care:

Worried about losing or paying for your health insurance?

Mainers who are worried about losing health insurance or having a hard time paying monthly premiums have options including MaineCare and Marketplace coverage.
You should act quickly since some options are time limited.  Call Consumers for Affordable Health Care toll-free at 1-800-965-7476 for free, confidential help.

Mainers who are losing their job-based insurance or having a hard time paying monthly premiums have options including:

MaineCare

Marketplace plans

  • If you lost, or are about to lose your coverage through an employer, then you can apply for a Marketplace plan through a Special Enrollment Period, but you only have 60-days before the loss of job-based insurance and 60-days after the loss to enroll.
  • If you already have a Marketplace plan but can’t afford the premium you may be eligible for a lower monthly premium or other help.
  • Contact the Marketplace to update your information. Some unemployment benefits are counted differently depending on coverage options.  Please see the chart below for more information or call Consumers for Affordable Health Care toll-free at 1-800-965-7476 for free, confidential help.
  • Depending on your income, the Marketplace may refer your application to Maine DHHS for free health coverage through MaineCare.
  • Visit Healthcare.gov for information on other special enrollment periods including getting married or having a baby.

COBRA

  • Before you enroll in COBRA, you should explore other coverage options through MaineCare and the Marketplace.  If you enroll in COBRA, you may lose your Special Enrollment Period to sign up for a Marketplace plan.
  • If you lost health coverage through your employer, or your family member’s employer, then you may be eligible for COBRA.  COBRA lets you keep your current employer health plan after your or your family member stops working for that employer.
  • You are usually responsible for paying the full cost of the health plan, so COBRA is typically very expensive.

 Determining monthly income for MaineCare and annual income for Marketplace applications during COVID-19

Source of Income

Does it count when applying for MaineCare?

Does it count when applying for Marketplace?

Earnings from a previous job (in 2020)

No

Yes

Current earnings of spouse

Yes

Yes

Unemployment insurance

Some of this is included.  Your regular “base” unemployment benefit, which is calculated based on your prior earnings, DOES count toward your monthly income.

Most people who qualify for unemployment will also get a temporary additional $600 per week until July 25, 2020, due to COVID-19. This additional $600 DOES NOT count toward monthly income for MaineCare.

Yes.  All unemployment insurance benefits are counted for Marketplace eligibility, including the temporary additional $600 per week supplement due to COVID-19.

Severance Benefits

Yes (only in the month they are received)

Yes

Expected Earnings from a future job (Example: you’ve been temporarily laid off but have a date you expect to return to work later this year)

No

Yes

Tax rebates, including the special $1,200 per person rebate provided due to COVID-19

No

No


Uninsured but need COVID19 testing?
You may qualify for COVID-19 Testing coverage if:

  • You are a Maine resident;
  • You are a U.S. citizen, U.S. national, or eligible immigrant; and
  • You are uninsured
    • Not eligible for full MaineCare or CubCare;
    • Not enrolled in another health care program funded by the federal government, including:
      Medicare, TRICARE and Veterans Administration, and federal employee health plans; and
    • Not enrolled in a group health plan or other health insurance coverage.
      There is no income or asset test. Get an application for COVID19 testing coverage here.

Need help?Call Consumers for Affordable Health Care toll-free at 1-800-965-7476 for free, confidential help.