2021 Guide to Open Enrollment

Everything you need to know to enroll in an affordable health insurance plan during the 2021 open enrollment period. Open enrollment for 2021 individual-market health plans has started. Whether you’re new to the individual market or have been buying your own health insurance for years, you likely have questions. This guide is designed to answer … Read more

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The Ultimate Guide to Health Insurance Subsidies

What Are Health Insurance Subsidies? A subsidy is money the government will pay towards part or all of your health coverage, depending on your income. There are two types of health insurance subsidies offered to Maine residents that you may qualify for: The first is a premium tax credit subsidy covers a portion of your monthly health … Read more

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Understanding Drug Coverage and Costs in Maine

Understand Prescription Drug Tiers All health insurance plans under the Affordable Care Act are legally required to cover a series of essential health benefits, including prescription drugs. This means that your insurance will pay for some prescriptions, but how much (and which drugs) depends on your plan’s list of covered drugs, called a formulary. A formulary is … Read more

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How to Shop the Health Insurance Marketplace

Feel confident choosing the coverage you need at a price you may be able to afford. What is the Marketplace? The Maine Health Insurance Marketplace, or Exchange, is an online shopping center for health insurance. It’s where to go to apply for coverage, find out if you qualify for savings, and make changes to your … Read more

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Your Quick Guide to the 2021 Open Enrollment Period

Once each year, you get a chance to shop the Health Insurance Marketplace and get a Marketplace plan, also known as Obamacare or an Affordable Care Act plan. This time of year is known as the annual Open Enrollment Period. The Affordable Care Act (ACA) ensures that all Americans get this opportunity once a year to buy … Read more

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Income limits for 2021

How will your income effect what you pay in 2021 for health insurance? Federal poverty levels (FPL) are used to reduce your cost of health insurance. Income between 100% and 400% FPL: If your income is in this range, in all Maine or New Hampshire you qualify for premium tax credits that lower your monthly premium … Read more

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Maine Marketplace

Maine is Going Independent for 2021! In 2020 Maine is still using the federal healthcare marketplace system but in 2021 the plan is to switch over to a new private state-run program. Starting November 1, 2020, Maine residents will no longer enroll in coverage through HealthCare.gov. Instead, they’ll use the new state-run website. Enroll for … Read more

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Eye Care & Vision

You go to the dentist a couple times each year to protect your teeth. But which would you rather lose? Your teeth or your eyes? Many people say vision coverage is not important because they think they don’t have a vision correction need or they think it’s too expensive. But they are wrong. The “I … Read more

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