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Update: Rate Decreases for Individual Health Plans

Jul 31, 2020
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Community Health Options has filed proposed rates decreases ranging from -24.7% to -4.3% for all individual and family health plans (as opposed to those health plans purchased through your employer).  These rates are subject to regulatory approval and not yet final. If approved, they would go into effect January 1, 2021.

Following Maine Bureau of Insurance requirements to allow for timely notice and feedback, all individual health plan subscribers will soon receive this information by mail.  Once the rates are approved, Health Options will send another letter with each subscriber’s estimated rate decrease.

Click here for a sample summary of the proposed 2021 rate decreases. Please be aware that rates will vary based on a Member’s age, tobacco usage, and region of residence (also known as a “rating area”). Also note that the summary does not include any Advance Premium Tax Credit (APTC) subsidy information. If you enrolled through the Marketplace and continue to qualify for APTC, premiums continue to be capped at a percentage of your income (and based on the second lowest Silver plan premium).

We have been able to propose these reduced rates through our ongoing and consistent efforts to achieve greater efficiencies and cost reductions. As always, we endeavor to provide you with the greatest benefit and service for your premium dollar. 

Please contact Health Options Member Services at (855) 624-6463, Monday through Friday, 8 a.m. to 6 p.m. with any  questions or concerns.


We value our broker partnerships and want to learn how we can better serve you. Of course, you can always contact us directly with suggestions for improvement. You may also be asked to participate in a STAMP (Strategic Account Management Platform) assessment survey, which will enable you to evaluate us on what is most important to you. We received helpful feedback when we used the survey last year and will be sending it out to Brokers in the summer. It only takes about seven minutes to complete and immediately alerts us about high priority issues so we can address them quickly.

If you are asked to complete a survey, please do so promptly; it will only be open and available for a limited time. Contact Business Development at (207) 402-3353 with any questions about the survey process.