Health insurance prices in Franklin County, ME (2026)
51 marketplace plans from 4 insurers. Cheapest plan $543/mo; typical Silver $783/mo. Official marketplace: CoverME.gov (enter your ZIP for your real price and tax credit).
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). Rating Area 3.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $543–$718 (typical $628) · Silver $718–$844 (typical $783) · Gold $781–$1,034 (typical $854) · Platinum $1,102–$1,102 (typical $1,102) · Catastrophic $423–$459 (typical $441)
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.
| Comparecheapest plan | Insurer | 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) | 11 | $543 | $572 | $735 | $823 | Anthem Bronze Tiered 8000, Off MP Twin | |
| Maine Community Health Options | 19 | $624 | $647 | $783 | $815 | Health Options Essential Bronze $8500 HMO Tiered NE | |
| Taro Health | 7 | $689 | $716 | $796 | $972 | MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) | |
| Harvard Pilgrim / Tufts (Point32Health) | 14 | $553 | $609 | $798 | $845 | Maine's Choice Plus HMO HSA Bronze 7200 |
All 51 plans in Franklin County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Maine Community Health Options | Health Options Clear Choice Catastrophic HMO NE | Catastrophic | HMO | $423 | $10,600 | $10,600 | $15,680 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Catastrophic, Off MP Twin | Catastrophic | HMO | $459 | $10,600 | $10,600 | $16,114 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Bronze Tiered 8000, Off MP Twin | Expanded Bronze | HMO | $543 | $8,000 | $10,600 | $17,113 | |
| Harvard Pilgrim / Tufts (Point32Health) | Maine's Choice Plus HMO HSA Bronze 7200 | Expanded Bronze | HMO | $553 | $7,200 | $8,000 | $14,637 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Bronze Tiered 6300 HSA, Off MP Twin | Expanded Bronze | HMO | $568 | $6,300 | $8,000 | $14,812 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Bronze Tiered 7500, Off MP Twin | Expanded Bronze | HMO | $577 | $7,500 | $10,000 | $16,921 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice Maine's Choice Plus HMO HSA Bronze 6300 | Expanded Bronze | HMO | $595 | $6,300 | $8,000 | $15,134 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Bronze PPO 6300 HSA, Off MP Twin | Expanded Bronze | PPO | $602 | $6,300 | $8,000 | $15,225 | |
| Harvard Pilgrim / Tufts (Point32Health) | HMO Bronze 8500 | Expanded Bronze | HMO | $604 | $8,500 | $10,000 | $17,253 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice Maine's Choice Plus HMO Bronze 7500 | Expanded Bronze | HMO | $609 | $7,500 | $10,000 | $17,307 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice HMO HSA Bronze 8000 | Expanded Bronze | HMO | $615 | $8,000 | $8,000 | $15,383 | |
| Maine Community Health Options | Health Options Essential Bronze $8500 HMO Tiered NE | Expanded Bronze | HMO | $624 | $8,500 | $10,600 | $18,092 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice HMO HSA Bronze 6300 | Expanded Bronze | HMO | $632 | $6,300 | $8,000 | $15,588 | |
| Maine Community Health Options | Health Options Essential Bronze $8500 PPO NE | Expanded Bronze | PPO | $634 | $8,500 | $10,600 | $18,208 | |
| Maine Community Health Options | Health Options Clear Choice Bronze $7500 HMO Tiered NE | Expanded Bronze | HMO | $639 | $7,500 | $10,000 | $17,666 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice HMO Bronze 7500 | Expanded Bronze | HMO | $640 | $7,500 | $10,000 | $17,685 | |
| Maine Community Health Options | Health Options Clear Choice Bronze $7500 PPO NE | Expanded Bronze | PPO | $655 | $7,500 | $10,000 | $17,854 | |
| Maine Community Health Options | Health Options Clear Choice Bronze $8000 HSA Plus PPO NE | Expanded Bronze | PPO | $685 | $8,000 | $8,000 | $16,219 | |
| Maine Community Health Options | Health Options Clear Choice Bronze $6300 HSA PPO NE | Expanded Bronze | PPO | $685 | $6,300 | $8,000 | $16,222 | |
| Taro Health | MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health) | Expanded Bronze | HMO | $689 | $4,950 | $10,150 | $18,416 | |
| Taro Health | MENDING Clear Choice Bronze 8000 HSA (No Direct Primary Care/DPC) | Expanded Bronze | HMO | $716 | $8,000 | $8,000 | $16,595 | |
| Taro Health | MENDING Clear Choice Bronze 7500 (No Direct Primary Care/DPC) | Expanded Bronze | HMO | $718 | $7,500 | $10,000 | $18,615 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Silver Tiered 5000, Off MP Twin | Silver | HMO | $718 | $5,000 | $8,500 | $17,117 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Silver Tiered 4000, Off MP Twin | Silver | HMO | $735 | $4,000 | $8,500 | $17,317 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Silver Tiered 4500, Off MP Twin | Silver | HMO | $735 | $4,500 | $8,600 | $17,418 | |
| Maine Community Health Options | Health Options Clear Choice Silver $5000 HMO Tiered NE | Silver | HMO | $746 | $5,000 | $8,500 | $17,449 | |
| Maine Community Health Options | Health Options Silver $5800 HMO Tiered NE | Silver | HMO | $748 | $5,800 | $9,500 | $18,476 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice Maine's Choice Plus HMO Silver 5000 | Silver | HMO | $748 | $5,000 | $8,500 | $17,481 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice Maine's Choice Plus HMO Silver 4000 | Silver | HMO | $769 | $4,000 | $8,500 | $17,730 | |
| Maine Community Health Options | Health Options Clear Choice Silver $5000 PPO NE | Silver | PPO | $780 | $5,000 | $8,500 | $17,858 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice Maine's Choice Plus HMO Gold 2500 | Gold | HMO | $781 | $2,500 | $6,000 | $15,370 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Gold Tiered 2500, Off MP Twin | Gold | HMO | $784 | $2,500 | $6,000 | $15,408 | |
| Maine Community Health Options | Health Options Clear Choice Silver $4000 HMO Tiered NE | Silver | HMO | $787 | $4,000 | $8,500 | $17,939 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Silver PPO Plus Tiered 4000, Off MP Twin | Silver | PPO | $793 | $4,000 | $8,500 | $18,016 | |
| Taro Health | MENDING Clear Choice Silver 4000 (No Direct Primary Care/DPC) | Silver | HMO | $795 | $4,000 | $8,500 | $18,042 | |
| Taro Health | MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) | Silver | HMO | $796 | $2,300 | $10,150 | $19,701 | |
| Maine Community Health Options | Health Options Clear Choice Gold $2500 HMO Tiered NE | Gold | HMO | $797 | $2,500 | $6,000 | $15,562 | |
| Maine Community Health Options | Health Options Clear Choice Silver $4000 PPO NE | Silver | PPO | $798 | $4,000 | $8,500 | $18,081 | |
| Maine Community Health Options | Health Options Clear Choice Gold $2500 PPO NE | Gold | PPO | $809 | $2,500 | $6,000 | $15,709 | |
| Maine Community Health Options | Health Options Clear Choice Gold $2500 PPO NE Dental | Gold | PPO | $815 | $2,500 | $6,000 | $15,779 | |
| Maine Community Health Options | Health Options Clear Choice Silver $4000 PPO National | Silver | PPO | $825 | $4,000 | $8,500 | $18,401 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice HMO Silver 5000 | Silver | HMO | $827 | $5,000 | $8,500 | $18,421 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice HMO Silver 4000 | Silver | HMO | $844 | $4,000 | $8,500 | $18,626 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice HMO Gold 2500 | Gold | HMO | $845 | $2,500 | $6,000 | $16,137 | |
| Anthem Blue Cross Blue Shield (ME) | Anthem Clear Choice Gold PPO 2500, Off MP Twin | Gold | PPO | $863 | $2,500 | $6,000 | $16,354 | |
| Maine Community Health Options | Health Options Clear Choice Gold $1500 PPO NE | Gold | PPO | $871 | $1,500 | $5,000 | $15,456 | |
| Maine Community Health Options | Health Options Clear Choice Gold $1500 PPO National | Gold | PPO | $901 | $1,500 | $5,000 | $15,816 | |
| Harvard Pilgrim / Tufts (Point32Health) | Clear Choice HMO Gold 1500 | Gold | HMO | $904 | $1,500 | $5,000 | $15,850 | |
| Taro Health | MENDING Direct Primary Care Gold $0 Ded ($0 DPC + $0 PCP + $0 Mental Health) | Gold | HMO | $910 | $0 | $8,800 | $19,720 | |
| Taro Health | MENDING Clear Choice Gold 2500 (No Direct Primary Care/DPC) | Gold | HMO | $1,034 | $2,500 | $6,000 | $18,406 | |
| Maine Community Health Options | Health Options Clear Choice Platinum PPO NE | Platinum | PPO | $1,102 | $500 | $3,000 | $16,222 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $543 | $628 | $718 | 20 | $7,500 | $10,000 | $17,017 |
| Silver | $718 | $783 | $844 | 16 | $4,000 | $8,500 | $17,977 |
| Gold | $781 | $854 | $1,034 | 12 | $2,500 | $6,000 | $15,797 |
| Platinum | $1,102 | $1,102 | $1,102 | 1 | $500 | $3,000 | $16,222 |
| CatastrophicUnder 30 or hardship exemption only | $423 | $441 | $459 | 2 | $10,600 | $10,600 | $15,897 |
* 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.