Can You Get Short-Term Health Insurance in Maine?
No, short-term health insurance is not allowed in Maine due to state regulations. Unlike many other states, Maine has chosen not to permit the sale of these limited-duration health plans. This restriction means residents looking for temporary health coverage will need to explore alternative options.
2024 Federal Update on Short-Term Health Insurance
While federal regulations have reduced the maximum duration of short-term health plans to 3 months with a 1-month renewal (totaling 4 months), this change does not affect residents of Maine. The state continues to prohibit short-term health insurance regardless of federal policy.
What Are Your Alternatives to Short-Term Health Insurance in Maine?
Since short-term health plans are not allowed in Maine, here are other ways to stay insured:
ACA Marketplace Plans:
You can explore ACA-compliant health plans through HealthCare.gov. If you missed the Open Enrollment window, you may still qualify for a Special Enrollment Period due to life changes like job loss or income adjustment.
Medicaid:
Maine residents with low income may be eligible for Medicaid, which offers comprehensive health benefits at low or no cost.Employer-Based Coverage:
If your spouse, parent, or household member has employer-sponsored insurance, you may be able to get covered under their plan.
AHiX:
AHiX offers a wide variety of individual and family health insurance options tailored to Maine residents. Our licensed advisors can help you choose the best plan based on your needs and budget.
