What Are You Waiting For? Get Covered!

woman with laptop and papersOpen enrollment in affordable health plans began on November 15th, and as of January 23rd, almost 63,000 Mainers have enrolled in a health insurance plan. This open enrollment period– a window where almost anyone without health insurance can sign up– ends on February 15th. Why wait any longer? There are only two weeks left, and Maine Family Planning is here to help even if you’ve waited until the last minute.

Need convincing? Here are a few reasons why you (or someone you love) should enroll before February 15th. 

Your health should be a priority.

There are lots reasons people put their health on the back burner. Maybe you’re short on time, finances are tight, you have one hundred other things to do, or you’ve never had major health issues before. We get it– but give us a call. With two Certified Application Counselors at four locations, we’ll make the process of enrolling as quick and easy as possible, and we’ll help you find the most affordable option.

Health insurance can be affordable.

Last year, 90% of Mainers who purchased a Marketplace plan were eligible for financial help– those are pretty great odds. It doesn’t cost any money to do an assessment with Maine Family Planning, so why not come in and find out what your options are? Plus, having coverage means that if something were to happen– a broken bone, pregnancy, or an unexpected hospitalization– you’ll have to spend a lot less money (and way less time worrying).

You may have to pay either way.

Starting in 2014, most people must have health insurance coverage or pay a penalty (though there are exceptions). If you haven’t signed up for health insurance by February 15th (either through your employer, MaineCare, or on the Marketplace), you may have to pay a penalty of 2% of your income OR $325 per adult and $162.50 per child – whichever is higher (this tax penalty worksheet can help you figure out what your penalty could be). If you’re going to have to pay anyway, wouldn’t it be nice to know that you’ll have health coverage?

There will be opportunities to sign up after February 15th– but they’re limited.

Once open enrollment ends, you may not be able to enroll until next November. Until then, you can only sign up for a Marketplace plan if you have a “qualifying life event.” What counts as a qualifying event?

Changes in household size:

  • Marriage
  • Having or adopting a child
  • Divorce (that results in loss of health insurance)

Changes in circumstance:

  • Moving to a different state
  • A change in income

Changes in status:

  • Gaining citizenship or lawful presence in the U.S.
  • Being released from incarceration

We’re in the final stretches, so don’t put it off any longer! Give us a call to set up an appointment with a Certified Application Counselor before February 15th.

For more information on how Maine Family Planning can help, visit www.mainefamilyplanning.org/GetCovered, or contact our Certified Application Counselors:

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