Maine Individual Health Reinsurance


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.

If you are an individual seeking insurance please contact

MGARA is re-starting its operations as of January 1, 2019 providing reinsurance for medical insurance plans and programs with initiation or renewal dates on or after January 1, 2019. The State of Maine has received approval from the United States Department of Health & Human Services, Centers for Medicare & Medicaid Services (“CMS”) of its Application for State Innovation Waiver under Section 1332 of the Patient Protection and Affordable Care Act. Pursuant to that approval, the MGARA Board has approved the re-initiation of MGARA operations as of January 1, 2019.