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Help for the Unemployed or Previously Unemployed

Jul 12, 2021
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Were you unemployed at any time in 2021? If so, we have good news about health insurance coverage. If you are currently enrolled in Marketplace health insurance and received 2021 unemployment income, you are encouraged to update your Marketplace applications between July 1 and August 15 to maximize savings on coverage for the rest of the year.  This opportunity also opens a pathway for many people who are not current Marketplace consumers to obtain affordable, comprehensive health coverage.

Eligibility is Easier than You Think

We encourage you to visit our website at healthoptions.org to obtain a summary of your Marketplace eligibility for financial assistance in the form of a premium tax credit. Simply click on "Find a plan," select “Shop as an individual or family," and answer a few basic questions. Be sure to use the "Check my eligibility" button at the bottom of the first page before you leave.

I am eligible for a tax credit; what should I do?

If you are eligible for a tax credit, contact the Marketplace by calling (800) 318-2596 or visiting healthcare.gov.

If calling, have your current plan name ready and choose "Apply and report changes" from the phone menu. Let the representative know you are calling to take advantage of a premium tax credit. You will be asked a few questions, and your application will be updated.

If you are calling and do not have a Marketplace account, the representative will create an account for you.

If you are updating online as a returning visitor to healthcare.gov, click on the tab "Update/change plans to save." Review your application (even if there are no changes) to see your updated tax credit and reselect your current plan. By reselecting your plan, you will confirm the updated tax credit amount.  Please note, any plan changes or premium reductions may not be reflected in your invoice until the month after your revisions have been made at the Marketplace.

If you are a new visitor to healthcare.gov, click on the tab "Take the First Step to Apply," and answer the enrollment questions to find a plan that fits your needs.

Although healthcare.gov determines eligibility for a Marketplace plan and premium tax credits, we are here to help answer any questions you may have about our Marketplace plans. Please contact us at (855) 624-6463, Monday through Friday, 8 a.m. to 6 p.m.  Act fast! August 15 will be here before we know it.

SEE ALSO

It's the time of year when Community Health Options files proposed 2022 individual health plan rates. Due to recent state legislation, next year's individual health plans will look slightly different than previous years. Maine insurance carriers will offer a handful of consistent Clear Choice plan designs to make it easier for consumers to compare health plans from different insurers. All individual health plans will now have a new name.

Click here to see a sample of our proposed individual health plan rates that are pending regulatory approval.  Please note that these rates do not account for any Advance Premium Tax Credit (APTC) subsidies that Members may receive.

Our 2022 plans also include some valuable new features that we have added based on Member feedback, including expanded telehealth services for all and a national provider network option.  We will continue to include coverage of COVID-19 vaccinations at no cost, access to our Site of Care program, and pharmacy support through our Script Savers program.

The Bureau of Insurance will hold a public forum on 2022 individual health plan rates on July 26, 2021, at 10:00 a.m. Read more and register at the State of Maine website.  For more information about proposed rates, you may also contact Member Services, Monday through Friday, 8 a.m. to 6 p.m., at (855) 624-6463.