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MaineCare Common Questions

Who can get MaineCare coverage?

For help understanding the income or asset limits for these categories, please call the Maine Health Insurance Consumer HelpLine at 1-800-965-7476.

Adults aged 21 to 64

Adults with or without minor children may qualify for MaineCare if they meet certain income guidelines based on their household size. If you applied in the past, income guidelines may have changed since then and you may want to reapply.

Disabled or Adults over 65

Based on household income and assets, people 65 years or older and people who are disabled may be able to get free MaineCare. Even if you do not receive Social Security benefits, you can still apply for MaineCare as part of this group. And, if you are working, you could make more money and still get MaineCare under the Working Disabled Benefit.

Young Adults

Young adults age 19 and 20 may be able to get free MaineCare coverage through the Children's Health Insurance Program (CHIP), based on household income. If a young adult is not claimed on their parents’ taxes, they may be able to apply for MaineCare using only their own income. 


Depending on income level, kids may be able to get free MaineCare coverage at higher incomes than their parents or caregivers through the Children’s Health Insurance Program (CHIP), formally called CubCare. Eligibility requirements recently changed, if you did not qualify in the past, you should reapply. There is no longer a premium for coverage or a waiting period for coverage to start. CHIP now covers from birth through age 20.


Depending on income level, pregnancy may qualify you to get free MaineCare coverage. If the pregnant person is under 21 years old, then their parents’ income may be counted if they live with them and the parents claim the pregnant person on their tax returns. When calculating income you will always be at least a household of 2 but could be more if expecting multiples in the same pregnancy.