Open Enrollment is now closed. To see if you qualify to enroll now, click here.
If you have a health plan through the Health Insurance Marketplace, new plan information for 2017 is now available.
How Do I Re-enroll? You should receive two letters; one from your health plan and another from the Health Insurance Marketplace (healthcare.gov):
- The letter from the Marketplace lets you know that your eligibility is being reviewed for 2017 coverage and financial assistance. The letter will encourage you to review and update your eligibility information.
We strongly recommend you update your financial information during open enrollment so you receive the appropriate financial help for your 2017 plan. It’s important so you don’t get too little or too much financial assistance (which you would then have to pay back in 2018). We encourage you to return to the Health Insurance Marketplace to make sure you get the right amount of financial assistance and the best plan for your budget.
If you do NOT update your financial information you will receive the same financial assistance that you received in 2016. This can cause you problems, since you might receive too little help or too much financial help for your 2017 plan.
If your 2015 tax return indicates that you had very high income or you did not authorize Health Insurance Marketplace (healthcare.gov) to check updated tax information for annual eligibility redetermination purposes, you will be automatically enrolled without financial assistance unless you provide updated information
- The letter from your Marketplace health plan will let you know that you can be automatically signed up for the same plan in 2017. The letter will tell give you information about the amount of financial assistance you received (if any) in 2016 and it will tell you what your 2017 premium costs will be with and without the 2016 financial assistance amount.
Know Your Options. In addition to changes in income and the costs of health plans, there are other reasons you might want to explore options and shop for a new plan, including:
o Your health or someone in your family’s health has changed.
o You are not happy with your current health plan provider network.
o You can’t afford the amount you have to pay out of pocket.
o You want to see if your plan changed or if there are plans that were not available last year.
Need Help to Get Enrolled in the Right Plan? Purchasing the right health insurance plan can seem complicated, but there are lots of people you can turn to for free help and advice.
- Trained customer service representatives are available through toll-free help lines or on-line website chat tools at HealthCare.gov. The toll-free number is 1-800-318-2596.
- Specially certified assisters (also called "navigators") workings in organizations across Maine are ready to provide free help either in person or by phone. Use our handy Find Help Tool to locate a free certified assister near your home or business.
- Certified insurance brokers can also help you review plan options. Many are also listed in the Find Help Tool. Be sure to ask whether the broker is Health Insurance Marketplace certified.