Joel is a board member of the currently suspended Maine Guaranteed Access Reinsurance Association (MGARA). Joel is also the founder and CEO of The Allumbaugh Agency, an insurance agency in Maine. In the past, Joel served as the President of the Maine Association of Health Underwriters for several years. He developed strong relationships with regulators and lawmakers helping to bring a voice for industry professionals to policymakers on behalf of the employers and individuals he served.


Joel’s work in the health policy arena includes key accomplishments such as passing health care reform legislation in Maine that brought new insurance products to the market leading to lower premiums for many individuals and small businesses. The effort also established the first-in-the-nation association health insurance captive enabling employers to band together to manage their health insurance programs. He also spearheaded a “Right to Shop” initiative aimed at bringing transparency and lower costs to the health care market.


Joel is a recognized, trusted voice in the health insurance industry. He is routinely cited by both local and national media sources. He hosted Inside Maine Healthcare on Time Warner Cable and has served in multiple appointed positions contributing his knowledge and expertise to better the industry. Joel is also currently a Senior Fellow at the Foundation for Government Accountability.


Recent Posts by Joel Allumbaugh

Correcting Misconceptions About Invisible Risk-Sharing

An amendment to the AHCA draws in part from a proposal to include an invisible high-risk pool. Based on an independent analysis, there are a few misconceptions that should be corrected and changes that could improve the invisible risk-sharing program.

Invisible High-Risk Pools: How Congress Can Lower Premiums And Deal With Pre-Existing Conditions

Maine’s experience in creating an invisible high-risk pool and relaxing its premium rating bands can inform Congress and the Trump administration as they work to repeal and replace the ACA.