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Obamacare in Maine

Maine is one of the states that has benefited from the Affordable Care Act. As of writing, there are 74,805 consumers that are enrolled in Obamacare, with many of those automatically being renewed from previous years. 89 percent of the current consumers that are signed up for Obamacare qualify for a tax credit through the health insurance marketplace, worth a little over $300. In addition, 65 percent of the consumers enrolled in the health insurance marketplace are able to get their coverage for under $100, thanks to getting tax credits and other discounts. Because of Obamacare, applicants that would have previously been denied coverage finally have access to affordable care. More information about Obamacare is covered in the following sections:

  • Did Maine accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Maine?
  • Eligibility for Obamacare in Maine
  • How to apply for Obamacare in Maine
  • Health plan cost and availability in Maine

Did Maine Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion? The Affordable Care Act Medicaid expansion was one of the big changes that came from Obamacare. What is the expansion of Medicaid? The main purpose of the Obamacare Medicaid expansion was to help lower income families or individuals get Medicaid coverage, even if they would normally be unable to pay for it. After hearing the Obamacare Medicaid expansion details, states were given the choice of whether or not they wanted to offer the program. Maine decided not to use the Obamacare Medicaid expansion.

One of the reasons for the refusal was the ACA Medicaid expansion cost to states, with many states worrying about gathering the funds to support the Medicaid expansion. The Obamacare Medicaid application will make it clear that options from Medicaid expansion are not eligible in Maine. It is possible that Maine will change this policy in the future, in which case, applicants will be informed about Obamacare Medicaid eligibility for both new and existing insurance plans.

Does the State or Federal Government Run the Health Insurance Exchange in Maine?

What is the marketplace for health insurance in Maine? Consumers are able to purchase health insurance by accessing the Obamacare health insurance exchange in Maine. What is the health insurance exchange? When Obamacare was first initiated, states were given the option of running their own Obamacare healthcare marketplace, or they could allow the federal government to run it. Maine chose to let the federal government handle the health insurance exchange, as did many other states.

The health insurance exchange collects information about all of the different insurance plans that are available in each state. The site has some ME health insurance exchange regulations, but all of these are managed by the federal government, and not the state of Maine. The website is also a useful resource for applicants that want to determine what kind of discounts or tax credits they might be eligible for.

Eligibility for Obamacare in Maine

What are the requirements to apply for Obamacare in Maine? One of the principle goals of Obamacare was to make it so everyone would be able to get health insurance. That makes it very easy to answer the question of how to qualify for Obamacare in Maine. In regards to who is eligible for Obamacare, anyone that is legally a citizen and not currently incarcerated meets the Obamacare coverage eligibility requirements in Maine.

One of the fears that new applicants have when they are applying for health insurance comes from yearly income. In the past, applicants could be denied because of their income. Applicants that had preexisting medical conditions had an even harder time, since their insurance plans were typically much more expensive. The application still asks for income, but Obamacare income requirements only apply to getting discounts and tax credits. Applicants will not ever be denied base coverage because of their income level.

How to Apply for Obamacare in Maine

Knowing where to apply for Obamacare is a very common concern. More specifically, most applicants want to know “Can I apply online for Obamacare in Maine?” Applying online through the health insurance marketplace is the most common way that applicants submit an application. When looking at how to apply for Obamacare insurance, applicants will also have some other options available to determine how to enroll in Obamacare in Maine. It is possible to apply by mail, and also over the phone. Applicants that are still worried about how to get Obamacare can set up an appointment with a health insurance agent in person. This allows the agent to go over all the details of the application and make sure that the applicant is comfortable and understands everything that is required.

What is needed to sign up for Obamacare in Maine? Another common question that applicants ask is “What do I need to apply for Obamacare in Maine?” The application primarily focuses on questions about income and any past medical conditions. As such, it is a good idea to have previous pay stubs, tax records, and previous insurance records on hand.

Health Plan Cost and Availability in Maine

What applicants really want to know is “How much will Obamacare insurance cost me in Maine?” and “How much does Obamacare cost in Maine?” The answers will vary depending on the applicant’s set of circumstances. Applicants should be able to get Obamacare health insurance price estimates if they show agents their past income records. Obamacare health insurance plans costs are determined by each of the individual insurance agencies that are in the health exchange market and what kind of plans that they offer. Many online calculators are offered for applicants to find out a basic estimate.

Maine has three health insurance agencies in the state market place. In 2015, those three agencies provided 25 different health plans. Applicants that are looking for a plan that provides more coverage will have to pay more. Maine offers very generous tax credits to help cover the cost of health insurance. Of the 74,805 consumers that use Obamacare, 65 percent pay less than $100 once they factor in their tax credits.