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Maine among 4 states where insurance costs still drop

New federal data shows that Maine’s average individual insurance premium will drop 13 percent in 2021 — the third straight year state insurance costs have declined, state officials said.

Maine is among only four states within the nation to ascertain insurance costs decrease, Maine Department of Health and Human Resources officials said during a statement on Tuesday.

The announcement comes with open enrollment on the insurance Marketplace starting on Nov. 1 until Dec. 15. The marketplace, or exchange, was created as a part of The Affordable Care Act for Americans who don’t get insurance through an employer or a government program. Mainers can attend HealthCare.gov to match coverage plans, determine whether or not they qualify for financial assistance and check in for an idea , officials said.

“No one should need to sleep in fear of not having the ability to ascertain a doctor, fill their prescriptions or receive life-saving care, especially within the middle of an epidemic ,” Gov. Janet Mills said within the statement.

The data indicates that next year, 60 percent of Maine HealthCare.gov customers pays but $75 per month for insurance , while 40 percent pays under $10 a month, officials said.

Eligible Maine people can check in for MaineCare, or Medicaid, at any time. Mainers can explore both options at CoverME.gov. Three insurance companies are offering Mainers 56 plans through the marketplace, officials said.

Last year, 107,000 Mainers, or 8 percent of the state’s population, had no insurance . Individuals earning $17,609 a year or less, or families of 4 earning $36,156 or less, are eligible for MaineCare, officials said.

Mainers earning but $51,040 for one person, or under $104,800 for a family of 4 , can get reduced premiums through the marketplace. This year, 86 percent of Mainers buying coverage through the marketplace qualified for reduced premiums, officials said.

Under Mills’ first executive order, MaineCare expanded for low-income residents, with up to 90 percent of the value funded by the federal . Due largely to coverage protections created thanks to the pandemic, enrollment in Medicaid increased by 40 percent to 62,896 from Texas Independence Day to Oct. 1, officials said.

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