Advocating the right to quality, affordable health care for every person in Maine.
Consumer Assistance HelpLine

1-800-965-7476

Some people may be able to enroll in Marketplace health insurance even if Open Enrollment is over. For example, if you:

  • Recently married
  • Had a baby or adopted a child
  • Had a change in immigration status
  • Moved to a new coverage area
  • Were recently released from jail
  • Lost health insurance recently (but not if you lost due to non-payment or voluntarily dropping COBRA)

For a more detailed list of Special Enrollment Period triggering events, call the HelpLine at 1-800-965-7476.

 

You must act quickly!
In most cases, you will have 60 days to sign up for health insurance through the Marketplace if you have a Special Enrollment Period triggering event.

 

Some people can enroll in health insurance at ANY time!
You can enroll at any time in the year if you are:

  • Eligible for MaineCare (Medicaid) or CHIP (Children’s Health Insurance Program)
  • A small business owner who wants to offer employee coverage
  • A Native American or Alaska Native

Everyone’s situation is different.  Your health insurance options will depend on whether you have access to work-based insurance, your household size and income, and other factors like age and disability status.  Our free HelpLine (1-800-965-7476) and Maine Guide to Health Insurance are here to help you zero in on your options to make the best choice possible.

Understanding whether your insurance company has made a mistake, and figuring out how to fix it can seem like an impossible task!  We have been doing this work for over 25 years, and are here to help you.  Our HelpLine (1-800-965-7476) and legal staff provide free legal support through every step of the private insurance appeals process.  In 2013, we helped consumers recover more than $200,000 in benefits that had been initially denied by their insurance company.

Many families qualify for some level of free or low-cost MaineCare, even if they make up to than $50,397 per year for a household of four!  Unfortunately, some people can’t get MaineCare even if they have zero income.  You may qualify for MaineCare if you are a parent or childyoung adult, or are elderly or disabled.  Don’t fit in one of those categories?  Call our HelpLine (1-800-965-7476) or check out our Guide to Maine Health Care for more information on your options.

First, let’s double-check!  Sometimes coverage is lost because MaineCare doesn’t have all the information they need.  Call our HelpLine (1-800-965-7476) or check out our Guide to Maine Health Care for more information about MaineCare eligibility.  Then, if you really are losing your coverage, our HelpLine staff can talk you through your options, from discounted health insurance through the Marketplace to helpful programs like Hospital Free Care or prescription drug programs, which may cover some or all of your health care costs.

There are a variety of programs that could help with the cost of health insurance or the cost of accessing health care services directly.  For example, MaineCare and the Marketplace are helpful ways to get free, low-cost, or discounted health insurance.  If you do not qualify for MaineCare or Marketplace discounts and cannot afford other private insurance, call our HelpLine (1-800-965-7476) or check out our Guide to Maine Health Care to identify programs that may help with cost for prescriptions drugs, primary and preventive care, emergency care  and more.


Click here for more Frequently Asked Questions!

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IMPORTANT NOTICE!!!  The 2018 Enrollment Dates have changed!

Open Enrollment for 2018 coverage in the Health Insurance Marketplace created by the Affordable Care Act (ACA, or “Obamacare”) will start again on December 15, 2017. If you did not enroll in a health insurance plan by January 31, 2017, you can not enroll in a plan in 2017 unless you qualify for a Special Enrollment Period.

Also, you will likely be penalized at tax time for not enrolling in a health insurance plan. CAHC HelpLine Staff can help you navigate these confusing health coverage systems call them today at 1-800-965-7476!

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