Health insurance is essential and often can be the difference between receiving the care you need or going without. Maine is no exception, but luckily, enrolling in an affordable health care plan can be easy.
By visiting www.healthcare.gov, you will be able to see a list of affordable health insurance plans that can fit your family and your budget. However, healthcare.gov is not your only option. The state of Maine has several different medical insurance options available to its residents.
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How to Buy Health Insurance in Maine
Employed residents of Maine can often purchase private insurance plans that are provided through their employer. Usually, to be eligible for these benefits, you need to be a full-time employee for a certain number of months. If you are not eligible for employer health benefits or cannot afford them, there are several other options.
Depending on your insurance needs and your budget, your plan, premiums, and deductibles will vary. Researching the details of an insurance plan before you purchase is always important. Low-income families are likely eligible for government-run insurance plans, such as Medicare/Medicaid and the Affordable Care Act.
Throughout your research, you may notice that most insurance carriers offer tiered plans that range in coverage and price. The Bronze tier offers lower premiums and high deductibles. These plans may be the best for low-income families in good health and rarely need hospital care. Gold tier plans often have lower deductibles but higher premiums, which is why they tend to be better suited for families that visit doctor’s offices regularly.
How to Apply for Health Insurance in Maine
The federal exchange in Maine is a helpful tool for finding the right plan for your family. Maine residents can see a list of insurance plans offered by entering your information, along with their price points and basic coverage.
Health Insurance Carriers In Maine
Currently Maine residents can choose from plans from carriers such as Anthem, Harvard Pilgrim Health Care and Maine Community Health Options.
Maine Health Insurance Costs Overview
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Like many other states, Maine offers tiered health care plans consisting of Bronze, Silver, and Gold.
How Much Does Health Insurance Cost in Maine?
In 2025, the average price point for a monthly premium for health care in the state of Maine is $546 per person.
What is the Cheapest Health Insurance Plan in Maine?
Depending on your health, the cheapest health insurance plan will be the one that covers what you need the most. Contact us to find the best plan for you!
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Cheapest Maine Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Maine in 2025 was $625.
Silver Plans
The average lowest cost premium of a Silver Plan in Maine in 2025 was $545.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $464
Other Types of Maine Health Insurance Coverage
Catastrophic Health Insurance in Maine
Catastrophic Health Insurance is available in Maine.
Short Term Health Insurance in Maine
Short-Term Health Insurance is available in Maine and usually allows coverage for 12 months at a time. The state also restricts the renewal of Short-Term policies by no more than 24 months.
Low Income Health Insurance in Maine
Low-income Maine residents can apply for several policies through the federal website, including Medicaid.
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