Health insurance prices in Maine (2026)
69 marketplace plans from 4 insurers across 16 counties. Official marketplace: CoverME.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $499–$723 (typical $616) · Silver $660–$871 (typical $770) · Gold $720–$1,034 (typical $842) · Platinum $1,012–$1,163 (typical $1,102) · Catastrophic $389–$483 (typical $440)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 16) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield (ME)Elevance Health (Blue Cross Blue Shield company) | 16 | 27 | $499 | $572 | $735 | $813 | Anthem Bronze Tiered 8000, Off MP Twin |
| Taro Health | 10 | 7 | $609 | $689 | $771 | $912 | MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) |
| Maine Community Health Options | 16 | 21 | $573 | $645 | $778 | $828 | Health Options Essential Bronze $8500 HMO Tiered NE |
| Harvard Pilgrim / Tufts (Point32Health) | 16 | 14 | $543 | $609 | $794 | $845 | Maine's Choice Plus HMO HSA Bronze 7200 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $499 | $616 | $723 | 27 | $7,500 | $10,000 | $16,980 |
| Silver | $660 | $770 | $871 | 23 | $4,000 | $8,500 | $17,816 |
| Gold | $720 | $842 | $1,034 | 14 | $2,500 | $6,000 | $15,817 |
| Platinum | $1,012 | $1,102 | $1,163 | 1 | $500 | $3,000 | $16,222 |
| CatastrophicUnder 30 or hardship exemption only | $389 | $440 | $483 | 4 | $10,600 | $10,600 | $15,880 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Maine
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Androscoggin County | 4 | 51 | $543 | $628 | $783 |
| Aroostook County | 3 | 44 | $558 | $636 | $806 |
| Cumberland County | 4 | 51 | $499 | $595 | $719 |
| Franklin County | 4 | 51 | $543 | $628 | $783 |
| Hancock County | 3 | 44 | $558 | $636 | $806 |
| Kennebec County | 4 | 51 | $539 | $617 | $768 |
| Knox County | 4 | 51 | $539 | $617 | $768 |
| Lincoln County | 4 | 51 | $539 | $617 | $768 |
| Oxford County | 4 | 51 | $539 | $617 | $768 |
| Penobscot County | 3 | 44 | $551 | $618 | $782 |
| Piscataquis County | 3 | 44 | $551 | $618 | $782 |
| Sagadahoc County | 4 | 51 | $499 | $595 | $719 |
| Somerset County | 3 | 44 | $551 | $618 | $782 |
| Waldo County | 4 | 51 | $543 | $628 | $783 |
| Washington County | 3 | 44 | $558 | $636 | $806 |
| York County | 4 | 51 | $499 | $595 | $719 |
To compare insurance plans side by side (or with health sharing), open your county.