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Old 09-17-2011, 02:30 PM
 
7 posts, read 12,793 times
Reputation: 10

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Hello everyone. I'm starting to research moving to Portland, but I'm confused about how medical insurance works in Maine (quite differently from any of the other states I've lived, it seems!). I've been living in Philadelphia for the past 6 years, and I'm thinking about relocating next year. My background is that I'm an editor/proofreader who will be attempting to transition to full-time freelancing in the coming months. As a fairly young (39), healthy, fit woman with no dependents, my plan is to get catastrophic coverage with a high deductible coupled with a health savings account. I THINK this is an option in Maine for a self-employed individual, but I'm having trouble figuring out how much it would actually cost. Any ideas?

Thanks!
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Old 09-17-2011, 02:50 PM
 
Location: Gorham, Maine
1,960 posts, read 4,924,823 times
Reputation: 1455
Quote:
Originally Posted by editrice View Post
Hello everyone. I'm starting to research moving to Portland, but I'm confused about how medical insurance works in Maine (quite differently from any of the other states I've lived, it seems!). I've been living in Philadelphia for the past 6 years, and I'm thinking about relocating next year. My background is that I'm an editor/proofreader who will be attempting to transition to full-time freelancing in the coming months. As a fairly young (39), healthy, fit woman with no dependents, my plan is to get catastrophic coverage with a high deductible coupled with a health savings account. I THINK this is an option in Maine for a self-employed individual, but I'm having trouble figuring out how much it would actually cost. Any ideas?

Thanks!
Hi editrice,

I'm not an expert in insurance and there are a number of threads debating the topic on the Maine forum, but am self-employed as you are. I am married and my wife pays for coverage for me and our daughter, but some of my fellow agent have the coverage you are referring to. I think they get their policy from Anthem through a regular insurance agent that acts as a broker. I'm sure others will soon follow with better answers.
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Old 09-18-2011, 06:47 PM
 
7 posts, read 12,793 times
Reputation: 10
Thanks, WhoFanMe. I've been reading the other threads, but I'm confused by these major reforms that are apparently in the works; it's not clear to me what the real effects of these reforms are at this point. If I were really able to purchase health insurance out-of-state, then I could afford to live in Maine. Otherwise, I'm not so sure! Normally, a freelancer can use a site like ehealthinsurance.com to figure out how much a policy would cost in a given area, but for Maine it just says "sorry, not available."
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Old 09-19-2011, 06:58 AM
 
Location: on a dirt road in Waitsfield,Vermont
2,186 posts, read 6,473,047 times
Reputation: 1147
Here is a link to the state sponsored health care program
DHA
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Old 10-03-2011, 06:11 AM
 
1 posts, read 1,664 times
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Default Currently available individual health insurance options here in Maine

I have been a life/health agent in the Portland area for 20 years now and have seen several interesting changes to Maine's individual health insurance market. I would recommend getting in touch with a local agent who can help educate you as to currently available options.
For websites to browse I would recommend starting with the Maine Bureau of Insurance Consumer's guide to Individual Health Insurance: http://www.maine.gov/pfr/insurance/consumer/indhlth.htm. They also have a page showing the relative market share of the different individual health insurance carriers: http://www.maine.gov/pfr/insurance/employer/snapshot_individual.htm. You can read answers to frequently asked questions regarding recent Maine health care reform legislation at https://www.maine.gov/pfr/insurance/PL90/consumer_q_and_a.htm.
Best of luck with your transition up here to Maine and let me know if I can help you navigate insurance options.
douglas.strout@insphereis.com
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