- Overview Of Health Insurance In Maine
- Finding Health Coverage In Maine
- Maine Medical Insurance Numbers
- Is Health Insurance Mandatory In Maine?
Overview Of Health Insurance In Maine
Maine, nicknamed The Pine Tree State for its extensive pine tree forests found throughout the state, is also known for its lighthouses, freshly caught lobster, and the place where people can go to just get away from it all. Maine was the 23rd state to be admitted to the union, and is the 42nd most populous state and 39th largest in terms of area.
The Pine Tree State boasts one of the healthier populations in the country, finding itself at the number 21 spot in the national state rankings. However, there’s always room for improvement when it comes to our health, which isn’t just true for Maine, but for the US as a whole. So, if you’re looking to take better care of yourself this year, here’s what you need to know.
Finding Health Coverage In Maine
Maine has the perfect backdrop for anyone looking spend more time focusing on their health. With plenty to do outdoors, staying active is easy, and with all the fresh seafood available, eating right shouldn’t be hard. However, eating right and staying healthy only accounts for half the battle.
Health insurance actually plays a key role in healthcare, and it’s something that is often overlooked by people who want to take better care of themselves. Medical coverage gives you access to a variety of benefits that you may not take advantage of otherwise. For example, people with comprehensive health plans will usually take advantage of their preventive services for little to no cost, or see their primary care physician more regularly. So, if you’re looking for health insurance in Maine, here’s where to start.
Maine Open Enrollment Dates
Maine’s Open Enrollment Period takes place every year, and is the time when the health insurance marketplace or exchange is open for everyone. Enrolling in coverage through the marketplace has been a popular option for Americans ever since the Affordable Care Act (ACA) was passed by President Obama. If you’re looking to enroll in health insurance through the marketplace, it’s important to do so during Maine’s Open Enrollment which runs through the following dates:
- November 1, 2018 - December 15, 2018
For many, Maine’s health insurance marketplace will be the first stop when shopping for affordable coverage, and for good reason. When companies offer their plans through an exchange, they have to adhere to certain regulations and rules, which includes not being able to deny coverage or charge more based on medical history. So, if you or anyone on your policy has pre-existing or chronic health conditions that need to be covered, the marketplace may be the best place to start.
Maine’s health exchange is also where you can go to apply for government subsidies based on your income. If you’re in a tight spot financially, you also may be able to qualify for Medicaid, which you can apply for through the marketplace as well.
Maine Health Insurance Quotes
The Affordable Care Act was passed with great inventions, and truly did create more affordable health insurance options for residents of Maine, and Americans in general. Although, it didn’t help everyone out, which has been the case for millions of middle class families that didn’t qualify for subsidized coverage. For that reason, there has been a growing number of individuals and families turning to the private sector to find coverage they can afford.
FirstQuote Health specializes in helping resident find cheap and affordable health insurance quotes in Maine without having to compromise the quality of your coverage. FirstQuote Health also saves you time, and takes the pain out of shopping around. All you have to do is enter your zip code, and you’ll be able to compare the top health insurance quotes in your area within minutes. You’ll even be able to speak with an experienced agent with no obligation. Get started, and get covered as quickly as today.
Coverage From Maine’s Best Health Insurance Companies
Whether your short on time or already happy with the coverage you have, enrolling with one of Maine’s best health insurance companies is another great way to keep yourself protected. Maine has a lot of unique options when it comes to providers, including tons of reputable companies that you may recognize. So, if you’re looking to enroll directly with one of the top health insurance companies in Maine, the most popular options include the following:
- Maine Community Health Options
- Harvard Pilgrim Health
If you do decide to enroll with a health insurance company directly, it’s important to remember to do your research. Just because a provider has a great reputation and name you recognize, doesn’t necessarily mean it’s the best option for you. Everyone’s healthcare needs are different, so you are potentially at risk for picking the wrong plan, or paying to much.
An easy way to learn if your company is a good fit is by doing a quick search online. Current and past customers are known to share their experiences on review sites which gives you great insight into whether or not the plan you are considering is the best option for you. You can also read up on health insurance companies with sites that specialize in reviews like FirstQuote Health.
Maine Medical Insurance Numbers
Is Health Insurance Mandatory In Maine?
Starting in 2019, health insurance in Maine will no longer be mandatory for residents. When the Affordable Care Act (Obamacare) passed, it created a controversial piece of legislation known simply as the individual mandate. The mandate was put in place to help create a larger risk pool for federal and state marketplaces by requiring all Americans to have health coverage or face a tax penalty. The new legislation was wildly controversial, and faced fierce backlash from opponents of Obamacare, with some even calling it unconstitutional.
President Trump promised to repeal and replace the Affordable Care Act when he was running for office. After a few unsuccessful attempts, he decided to take another approach to undermine the landmark healthcare legislation by signing an executive order eliminating the individual mandate. Some states fought back by creating their own versions of the mandate, but Maine was not one of those states.