2021 Affordable Health Insurance Plans in Maine

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 healthcare.gov, you will be able to see a list of affordable health insurance plans that can fit your family and your budget. However, heathcare.gov is not your only option. The state of Maine has several different medical insurance options available to its residents.

Highlights and Updates

  • Maine residents can enroll in the Affordable Care Act by visiting Healthcare.gov.
  • The state of Maine also offers COBRA insurance, Medicare and Medicaid, CubCare, and DEL.
  • MaineCare is a health care assistance program for Maine residents.
  • Adult Mental Health Services is available through the Maine Department of Community Health and Counseling Services.
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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 Affordable Care Act, also known as “Obamacare.”

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 coverages.

These plans can further direct you on how to apply for each one.

Health Insurance Carriers in Maine

The state of Maine offers seven kinds of government-run healthcare plans available to select residents who do not have employer-based insurance coverage.

  •  COBRA Health Insurance
  • Medicare, Medicaid, and Low-Income Maine Health Insurance
  • Medicare Savings Program for Seniors
  • DEL
  • CubCare
  • MaineCare Health Home Program
  • Maine “ObamaCare” Insurance

What are the Cheapest Health Insurance Companies in Maine?

The state of Maine offers several different options when it comes to affordable health care plans. With several of their leading insurance carriers connected with the federal government, there are multiple affordable options. Taking the time to thoroughly review each company’s tiered plans is often the best way to find your optimal plan.

How has Obamacare Helped Maine’s Uninsured?

The residents of Maine have benefited from the implication of Obamacare. Since the ACA bill was signed back in 2010, more than 70,000 citizens of Maine have purchased plans. Maine’s uninsured rate amongst its residents is currently 7%.

Maine Health Insurance Costs Overview

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 2021, the average price point for a monthly premium for health care in the state of Maine is $512. This price is set per person.

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What is the Cheapest Health Insurance Plan in Maine?

Maine’s most affordable insurance plans are Anthem Silver X POS 5900, Anthem Silver X HMO 5900, and Maine’s Choice Plus HMO Silver 6500.

Cheapest Maine Health Insurance Coverage by Metal Tier

Gold Plans

The cheapest Gold Tier plan for health insurance in Maine is Anthem Gold X HMO 2000. This plan has a deductible of $2,000 and a maximum out of the pocket of $8,550.

Silver Plans

Maine’s most affordable silver-tiered plan is Maine’s Choice Plus HMO Silver 6500, with a deductible of $6,500 and a maximum out-of-pocket of $7,800.

Bronze Plans

Maine’s most affordable Bronze-tiered plan is Anthem Bronze X HMO 7800, with a deductible of $7,800 and a maximum out-of-pocket of $8,550.

Maine Health Insurance Costs by Occupation

The majority of full-time employers in Maine offer employer-sponsored health insurance plans. If an employer does not, or if their employees would still like to seek other insurance options, they are welcome to decline their employer’s coverage and seek insurance through the marketplace. 

What is the Average Cost of Health Insurance for a Student in Maine?

Maine residents who are students enrolled in school have the option to stay on their parent’s health insurance plan, or they can purchase themselves a student health plan or an individual health insurance plan.

What is the Average Cost of Health Insurance for the Self-Employed in Maine?

Self-employed Maine residents can sign up for coverage through the federal marketplace. There, they can choose from a variety of plans and tiers.

What is the Average Cost of Health Insurance for Small Business Owners in Maine?

In Maine, small business health insurance plans start at the affordable amount of $167 per employee. The cost goes up from there, depending on what coverages the business owner would like to offer their employees.

Maine Health Insurance Costs by Number of Participants

Premiums for health insurance in the state of Maine vary for individuals and families.

What is the Average Cost of Health Insurance for Families in Maine?

Health insurance pricing for families in Maine varies considerably. Before purchasing a plan, make sure to research what coverages, premiums, and deductibles work best for your family.

What is the Average Cost of Health Insurance for Individuals in Maine?

The average health insurance cost for Maine residents is $512 per person per month.

What is the Average Cost of Health Insurance for a Child in Maine?

The average monthly cost for a policyholder plus one child is $778 in Maine.

Other Types of Maine Health Insurance Coverage

Catastrophic Health Insurance in Maine

Catastrophic Health Insurance is available in Maine via Anthem Catastrophic X HMO 8550; the deductible is $8,550, with a maximum out-of-pocket of $8,550.

Short-Term or Temporary 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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