Does Maine Have a State-run Exchange?

No, but you can visit the federal health exchange, or compare rates from one of the insurance companies listed below.


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Maine Health Exchange

Maine struggled with the decision on what platform to go with. In 2011, Maine was looking at a state run platform. However, over time, they decided the exchange be federally-facilitated, with the exception of plan management, which they took control over. The state of Maine has a higher insurance rate already, and they worried about whether or not the consumers in their state will benefit from the new plans.

Maine

With little competition the average overall cost of the monthly premiums was much higher than most states. In fact, Maine consumers pay on average over $300 a month for a mid-level health insurance plan. The state is 6th in the nation for highest rates on their health insurance. However the silver lining may be Maine’s network databases, which provide the state with a way to see who is eligible for Medicaid an extra they may have not had in the past.

With that in mind the Maine health insurance exchange should have more options in the way of health plans being offered to their state. Below are a few of the key requirements that each state has to have in place in 2014 as the exchanges open.

Maine Exchange Info Graphic

Requirements for the Maine Health Insurance Exchange

  • Toll Free Number. Each state is required to have a toll free line to assist consumers with any questions they may have regarding the website, plans, etc.
  • Presentation of Benefits. This area allows you to see and get a better understanding of each of the health insurance plans available to you.
  • Navigator Program. The navigators program allows consumers to speak with an account counselor who will help them understand each plan, and determine which one is right for them.
  • Online Calculator. An online calculator allows you to figure out costs, discover tax credits that the consumer maybe eligible for, and determine subsidies.