ACA Health Insurance > Break Down > Health Insurance in Maine
Health Insurance Maine: Your Roadmap to Affordable Coverage
From Portland to Bangor—We’ve Got Maine Covered.
Hey there, Maine neighbor! Shopping for health insurance in Maine? Feeling confused or overwhelmed? We’ve got your back. Whether you’re new to coverage or hunting for a better plan, this guide makes understanding health insurance in Maine simple and stress-free. No confusing terms—just real talk and clear guidance.
Why Should You Buy Health Insurance in Maine?
Medical costs can sneak up fast. Whether it’s a routine prescription or a surprise ER visit, health insurance helps protect your health—and your bank account.
Why coverage matters in Maine:
Roughly 6% of Mainers under 65 are uninsured—better than average, but still leaves thousands vulnerable.
Maine’s rural residents often face higher healthcare costs and fewer local providers.
ACA plans cover preventive services like annual checkups, screenings, and vaccines at no extra cost.
Even if you’re healthy now, staying covered means you’re prepared for anything—and won’t have to sacrifice care due to cost.
Types of Health Insurance Available in Maine
Marketplace Plans (ACA via CoverME.gov)
Maine runs its own state-based exchange, CoverME.gov, where residents can compare ACA plans and apply for subsidies.
Short-Term Insurance
Short-term coverage is available but limited by state law. It’s only meant for brief transitions and comes with fewer benefits.
Medicare
Available for Mainers 65 and older or those with qualifying disabilities. Covers hospital, outpatient, and prescription care—with optional add-ons.
MaineCare (Medicaid)
MaineCare is the state’s Medicaid program. It offers free or low-cost health coverage for low-income residents and families.
Private Insurance
Some Mainers get insurance through employers or buy it directly from insurance companies. We can help compare those options too.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Maine?
There’s no state or federal mandate requiring you to have health insurance in Maine—but going without it can be a major gamble.
Without coverage, even a routine visit could cost hundreds—and emergency care, thousands. You’d also miss out on the free preventive services that help keep you healthy long-term.
So while Maine won’t fine you for going uninsured, having health insurance is still one of the smartest ways to protect yourself and your future.
How Much Does Health Insurance Cost in Maine?
Health insurance pricing in Maine depends on your age, income, location, and household size. The good news? Most Mainers qualify for premium tax credits on CoverME.gov.
Some pay $0/month after subsidies. Many others stay under $75/month, depending on income. Even if you think you won’t qualify—it’s worth checking.
For those over 65, Medicare plan costs vary depending on your choice of Original Medicare, Medicare Advantage, and any supplemental coverage
.
💡 Consider embedding a cost calculator here to help Maine residents estimate their premiums.
How to Pick the Right Health Plan for You
To find the best plan, ask yourself:
How often do I go to the doctor?
What prescriptions do I take regularly?
Do I want to stick with my current doctor?
What can I afford each month and year?
Some Mainers choose lower premiums with higher deductibles. Others want fuller coverage for more predictable costs.
Not sure what’s right for you? That’s what we’re here for. Our licensed Maine agents will help you find the right fit—without the pressure.
Our Health Insurance Services in Maine
We make it easy to navigate your options and enroll with confidence. Our licensed Maine-based agents understand the local landscape—and we’re here to help.
Who We Help
We assist:
Young adults coming off a parent’s plan
Self-employed creatives and small business owners
Seniors exploring Medicare
Families looking for dependable, affordable coverage
Anyone who wants kind, straightforward guidance
What We Offer
We help with:
ACA Marketplace plans via CoverME.gov
Private insurance
Medicare and MaineCare enrollment
Dual-eligible and special needs plans
Dental, vision, and prescription discounts
And yes—we offer bilingual support for Spanish speakers.
How to Get Started
Compare plans.
Chat with an agent (optional).
Enroll online or by phone.
That’s it—you’re protected.
Most Affordable Health Insurance in Maine
Here are three carriers offering affordable, ACA-compliant health plans in Maine:
Community Health Options – A local non-profit insurer focused on affordability and preventive care.
Anthem Blue Cross and Blue Shield of Maine – Widely accepted with competitive premiums.
Harvard Pilgrim Health Care – Popular in parts of Maine for tech-savvy members and virtual care options.
We help you compare them all so you can pick the plan that fits your needs and budget best.
Top 3 Most Uninsured Cities in Maine
While Maine’s uninsured rate is relatively low, some areas still face gaps in coverage:
Lewiston, ME – Higher uninsured rates due to economic challenges and language barriers.
Bangor, ME – Rural access and high self-employment rates lead to gaps in employer-sponsored coverage.
Sanford, ME – Lower rates of private insurance access contribute to underinsured populations.
Wherever you live in Maine, we’re here to help you find affordable coverage that works for your life.
Final Tip from Your Friendly Guide
Health insurance isn’t just about emergencies—it’s about staying healthy, getting checkups, and avoiding financial stress when life throws you a curveball.
Our Maine-based team is here to help you compare plans, answer your questions, and get you enrolled with ease. Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!