How Much Is Health Insurance in Maine?

On this page

• What a Maine Marketplace plan costs before subsidies
• What you’d pay after a tax credit
• Costs beyond the premium
• Maine Marketplace facts
• When to enroll
• Other options in Maine
• Frequently asked questions

What a Maine Marketplace plan costs before subsidies

Age	Benchmark silver plan, per month (2026 estimate)
21	$555
30	$630
40	$709
50	$991
60	$1,506
64	$1,664
Child under 15	$424

At full price, benchmark coverage for a family of four, with two 40-year-old parents and two young children, would run about $2,267 a month.

Maine’s market has two features most states don’t. The state folded its individual and small-group markets into a single risk pool in 2023, and its reinsurance program, the Maine Guaranteed Access Reinsurance Association, has paid part of large claims since 2019. The program covered 60% of eligible claims in 2026, down from 75% in 2025.

What you’d pay after a tax credit

A premium tax credit is available on CoverME.gov if your household income is between 100% and 400% of the federal poverty level, and it limits what you pay for the benchmark plan to a share of that income. A single 40-year-old earning $40,000 would pay about $287 a month for the benchmark plan in 2026, and the credit would cover about $422. For 2027, that person’s share would be about $289 a month. Once income passes 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), the credit disappears and you’d pay full price.

Fewer Mainers qualified in 2026 than the year before: 74% of enrollees were eligible for subsidies, down from 85% in 2025. The average across all enrollees was $340 a month after subsidies, and 8% paid less than $10.

MaineCare, the state’s Medicaid program, covers adults with incomes up to 138% of the poverty level, about $22,025 a year for one person in 2026. See health insurance for low-income families.

Costs beyond the premium

The shift toward bronze plans matters here. A bronze plan’s lower premium usually comes with a higher deductible, so compare what you’d owe if you actually needed care; see how the metal levels differ. Whatever plan you choose, your costs for covered in-network care are capped at the out-of-pocket maximum, $10,600 for one person in 2026 and $12,000 in 2027. With income under 250% of the poverty level, a silver plan adds cost-sharing reductions that lower those costs.

Maine Marketplace facts

• Marketplace: CoverME.gov, Maine’s state-run exchange.
• Enrollment: 58,523 plan selections for 2026, down from 64,678 in 2025. About 3 in 4 enrollees qualified for subsidies.
• Insurers: Anthem, Harvard Pilgrim, Maine Community Health Options and Mending Health sold 2026 plans. Mending, with about 1,100 members, won’t offer coverage after 2026. Anthem is ending its individual PPO plans on CoverME.gov but will keep selling them directly. If your plan is going away, see what to do if your insurance company leaves the Marketplace.
• 2027 prices: Approved August 14, 2026. The individual market rises 14.8% on average (insurers requested 16.8%), and the approved increases are 6.6% for Harvard Pilgrim, 15.8% for Anthem and 19.5% for Maine Community Health Options. Small-group plans rise 13.5%.
• State help: Reinsurance and a merged individual and small-group market. Maine doesn’t add its own premium subsidy and has no individual mandate. Pregnancy counts as a qualifying event for a special enrollment period, and an easy enrollment program lets uninsured residents opt in through their state tax return.
• Medicaid: Voters approved Medicaid expansion in 2017. MaineCare covers adults up to 138% of the poverty level and children up to 305%. Starting January 1, 2027, expansion adults ages 19 to 64 who aren’t exempt must earn at least $580 a month or spend 80 hours a month working, volunteering, in school or in a work program; see Medicaid work requirements.

When to enroll

Open enrollment on CoverME.gov runs from November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. Sign up after that, by January 15, and coverage starts February 1. Outside that window you’ll need a qualifying life event, such as losing other coverage or, in Maine, becoming pregnant.

Other options in Maine

• Health insurance through your job or a spouse’s job.
• MaineCare for adults up to 138% of the poverty level, and for children up to 305%; see health insurance for children.
• Medicare at 65.

Short-term health plans are effectively unavailable in Maine, so they aren’t a fallback here.

Health insurance costs in nearby states: New Hampshire, Vermont and Massachusetts. You can also compare health insurance costs in every state.

See 2027 plans and prices in your Maine county: compare quotes by ZIP code.

Frequently asked questions

Do Maine residents use HealthCare.gov?

No. Maine runs its own exchange, CoverME.gov. Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, with a December 15 deadline for coverage starting January 1.

How much are Maine health insurance premiums going up in 2027?

Maine’s Bureau of Insurance approved an average increase of 14.8% before subsidies for individual plans. By insurer, approved increases run from 6.6% (Harvard Pilgrim) to 19.5% (Maine Community Health Options).

Is Mending Health leaving Maine?

Yes. Mending Health, formerly Taro Health, stops offering health insurance on January 1, 2027. Its roughly 1,100 members need to pick another plan during open enrollment.

Does MaineCare have work requirements?

Yes. Starting January 1, 2027, expansion adults ages 19 to 64 must earn at least $580 a month or spend 80 hours a month working, volunteering, in school or in a work program, unless they qualify for an exemption.

This article is general information, not insurance or tax advice. Prices are averages and estimates; your premium depends on your county, age, income and plan. Last reviewed September 2026.