The Maine Department of Health and Human Services has announced that Maine people can now visit CoverME.gov, Maine’s Health Insurance Marketplace, to shop for and select affordable health insurance plans for 2023 during the Open Enrollment Period that kicks off Nov. 1.

At CoverME.gov, Maine people can compare private plans, apply for financial assistance, and enroll in a 2023 health plan. Health plans offered on CoverME.gov provide comprehensive insurance that protects consumers if they have an accident or major illness and fully pays for preventive screenings. This year, Maine people can take advantage of additional federal financial assistance that makes insurance more affordable than ever.

“Having health insurance saves lives. That’s why since my first day in office, I have fought to make health care more accessible and more affordable for all Maine people,” said Governor Mills. “On CoverME.gov, Maine people can get the health insurance they need to see a doctor, afford medications, and receive preventive care, keeping them and their families healthy. I encourage everyone in our state who needs health insurance to visit the site today to see what options are available to you.”

“We encourage Maine people who need affordable health insurance to visit CoverME.gov starting today,” said DHHS Commissioner Jeanne Lambrew. “As a result of federal policy changes, more Maine individuals and families than ever will qualify for help paying for premiums and out-of-pocket costs. We stand ready to assist anyone looking for health coverage in finding a plan that works for them.”

In 2022, more than 80 percent of people shopping at CoverME.gov qualified for help paying for health insurance. In 2023, thanks to the three-year extension of additional assistance provided by the American Rescue Plan, nationwide, 13 million Americans will save an average of $800 per year on their health insurance, according to the U.S. Centers for Medicare and Medicaid Services. Four out of five customers will be able to find a plan for $10 or less after subsidies.

In addition, a new federal rule fixing the so-called “family glitch” means that more family members of Maine workers offered unaffordable job-based insurance will be eligible for financial assistance through CoverME.gov in 2023. Even those who were ineligible in the past should check out CoverME.gov to see what assistance may be available in the upcoming year.

This is Maine’s second year of open enrollment through CoverME.gov, the State-run health insurance marketplace. From 2014 through 2019, the Health Insurance Marketplace in Maine was fully run by the federal government. In 2020, it was a shared responsibility between Maine and the federal government. After the first open enrollment period run fully by Maine in 2021, recent enrollment declines were reversed. Maine’s taking greater control of its marketplace, paired with Medicaid expansion, led the state to have the largest decline in its uninsured rate among all states in the nation in recent years.

Open enrollment runs from Nov. 1 through Jan.15, 2023. The enrollment deadline for coverage beginning Jan. 1, 2023, is Dec. 15. Consumers who enroll between Dec. 16 and Jan. 15 will have coverage beginning Feb. 1. After Jan. 15, only individuals and families that qualify for special enrollment periods can sign up for 2023 private health insurance coverage.

This year, CoverME.gov will offer individual plans from Anthem, Community Health Options, Harvard Pilgrim Health Care, and Taro Health. Help is available for consumers looking to find the plan that meets their needs and budget. Visit coverme.gov/localhelp or call 866-636-0355/TTY 711 (for languages other than English, choose option 4) for information.

Consumers who already have a plan through CoverME.gov will be automatically re-enrolled in their current plan or the most similar offering from their health insurance carrier. Still, DHHS encourages people currently signed up through CoverME.gov to check out new plans and update their family and income information, as new financial assistance may offer more affordable coverage that best meets their needs. With the Plan Compare tool at CoverME.gov/get-started/compare-plans, consumers can evaluate available private health insurance plans and estimate their costs before they sign up for an account or complete a full application. The tool also allows consumers to check whether their preferred health care providers are included in each plan’s network, and to view information about coverage and out-of-pocket costs for prescription drugs.

People who apply through CoverME.gov who are eligible for MaineCare will have their application sent to MaineCare for review. Eligible Maine people can enroll in MaineCare at any time of year.