What You Need to Know About CoverME.

Even if you’re happy with your plan, it’s a good idea to review your coverage each year. Plans and prices can change, and you might qualify for new savings—especially if your income or household size has changed.

Here are a few important things to keep in mind for the upcoming Open Enrollment:

  • If you enroll between December 16, 2025, and January 15, 2026, your coverage will begin February 1, 2026.

  • Starting in 2026 (for 2027 coverage), the Open Enrollment deadline will shift to December 15 in many states—including Maine. This change won’t affect enrollment for 2026 coverage, but it’s a good idea to plan ahead for future years.

  • The enhanced federal tax credits that have helped lower monthly premiums are currently set to expire at the end of 2025, unless Congress extends them. That means some members may see higher premiums in 2026.

If you're already enrolled through CoverME.gov, keep an eye out this fall—notifications will be sent to update you on any changes to your savings or costs.

⚡️ Special Enrollment Periods (SEPs)

Life happens. If you experience a qualifying life event, you may be eligible to enroll outside of Open Enrollment. Some common examples include:

  • Losing health coverage (job loss, aging off a parent’s plan, COBRA ending)

  • Changes in household (marriage, divorce, birth or adoption of a child)

  • Moving to a new area

  • Changes in income

  • Gaining immigration status or becoming a U.S. citizen

Generally, you have 60 days from the date of the event to enroll.

Not sure if your situation qualifies? That’s what we’re here for.r

Who is Marketplace insurance for?

Marketplace coverage is a great option for Mainers who:

✅ Are self-employed or own a small business

✅ Work part-time or don’t have employer-sponsored insurance

✅ Are between jobs or recently lost coverage

✅ Don’t qualify for (or aren’t yet eligible for) Medicare or MaineCare

✅ Need coverage for their family or dependents

If any of these sound like you, we can help you understand your options—and walk through them together.

Why work with a local consultant?

Choosing a health plan isn’t just about cost. It’s about coverage that matches your life. When you work with Woodman Mansfield, you’ll get:

✔️ A real person (yes, a human!) to walk you through the process

✔️ A better understanding of your options

✔️ Help with enrollment and paperwork

✔️ Guidance even after you’re signed up

We’re here to make things easier—not harder. No high-pressure sales. Just helpful advice and answers.

Why go local?

We know the system because we live in it too. Our team works with Maine residents every day—we understand the plans, the process, and the local landscape. And we’re here to support you long after you hit “submit.”

Ready to learn more?

Let’s make sure you’ve got the right coverage for your next chapter.

Because you deserve coverage that works for your life—not the other way around.

Health insurance isn’t one-size-fits-all. Here’s what to know about Maine’s marketplace—and how we can help.

Life changes—and so can your insurance needs.

Maybe you’ve recently left a job. Maybe you’re self-employed. Maybe you're working part-time or just need coverage for yourself or your family. No matter your situation, figuring out health insurance can feel overwhelming.

That’s where Maine’s health insurance marketplace—CoverME.gov—comes in.

We help people like you navigate it with confidence.

What is CoverME.gov?

CoverME.gov is Maine’s official health insurance marketplace, where individuals and families can:

  • Compare plans from trusted insurance providers

  • Apply for financial assistance (many Mainers qualify!)

  • Find affordable, comprehensive coverage that fits their needs

  • Enroll in a plan during open enrollment or after a qualifying life event

When can I enroll?

You can shop and enroll through CoverME.gov once a year and is your chance to review your options and sign up for a new plan—or make changes to your current one.

For 2026 coverage, Open Enrollment is expected to begin December 15, 2025 and run through January 15, 2026. (We’ll share updates as soon as official dates are confirmed.)

How do I choose the right Marketplace expert?

Finding the right person to guide you through your health insurance options makes all the difference. The good news? You're already in the right place.

At Woodman Mansfield, we’re certified Marketplace experts through CoverME.gov. That means we’re trained and approved to help you understand your options, walk through the application process, and make sure everything’s done right—at no cost to you.

Here’s what to look for when choosing a Marketplace advisor:

✅ Certified through CoverME.gov

Only certified assisters and brokers can help you officially enroll in a plan. They’re up to date on Maine’s system, rules, and providers—so you get accurate, informed guidance.

✅ Experienced in real-life scenarios

We’ve helped self-employed Mainers, young adults aging off their parents’ plans, families with changing income, and people who’ve never had to shop for insurance before. Wherever you're starting from, we’ll meet you there.

✅ Approachable, clear communication

This stuff is confusing—we get it. You deserve someone who explains things clearly and answers your questions without making you feel rushed or overwhelmed. (And yes, that’s kind of our thing.)

✅ Free support

There’s no cost to work with us. We’re paid by the insurance companies when you enroll, not by you—so you get unbiased support either way.

Extra Protection for the “What-Ifs” in Life

Ask Us About Simple Add-ons That Make a Big Difference

  1. Combine with your marketplace plan

  2. Budget-friendly

  3. Helps protect your savings against your max-out-of-pocket

  4. Easy to understand — we’ll walk you through it

  5. For Young Adults & Risk-Takers, Growing Families, and Older Adults with a Family History of certain health conditions

Extra Protection for the “What-Ifs” in Life

Why Add Extra Coverage?

Even the best insurance plans can leave gaps — especially when life takes an unexpected turn. That’s where ancillary products come in.

Whether you're raising a family, just starting out, or planning for retirement, these add-ons can help protect you from surprise costs when the unexpected happens.