In May 2011, the Maine State Legislature passed Public Law Chapter 90 “An Act to Modify Rating Practices for Individual and Small Group Health Plans and to Encourage Value-based Purchasing of Health Care Services” (PL90). Included in the many components of PL90 was the establishment of MGARA as a reinsurance program for the higher risk segment of Maine’s individual health insurance market.  The portion of PL90 establishing  MGARA was codified at 24-A MRS c. 54-A and is referred to herein as the Enabling Act.
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     As a result of conflicts between the MGARA reinsurance program and the federal transitional reinsurance program established under the ACA and Department of Health and Human Services (“HHS”) rules (the “Federal Program”), the Maine Legislature has mandated the suspension of MGARA’s reinsurance program to be effective at the time the federal program begins operation in Maine. We currently expect that program to commence January 1, 2014. MGARA anticipates termination of its reinsurance program effective January 1, 2014. Please see the Assessment Tab for further information.