Maine Guaranteed Access Reinsurance Association (MGARA) is a reinsurance program established by the Maine State Legislature to provide coverage for the higher risk segment of the individual health insurance market in Maine. Operating under the Enabling Act, MGARA offers reinsurance for medical insurance plans and programs with initiation or renewal dates on or after January 1, 2019.
With approval from the United States Department of Health Human Services, Centers for Medicare Medicaid Services (CMS) for its Application for State Innovation Waiver under Section 1332 of the Patient Protection and Affordable Care Act, MGARA has re-started its operations as of January 1, 2019. Led by a dedicated Board of Directors, MGARA aims to ensure access to affordable health insurance options for individuals in Maine.
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