Harvard Pilgrim Health Care leads with a MoneyGeek score of 80 out of 100, excelling in affordability, customer service and coverage. But if it’s unavailable where you live, Anthem Blue Cross and Blue Shield and Taro Health also provide strong health insurance options.
Best Health Insurance in Maine
Updated: June 24, 2025
Advertising & Editorial Disclosure
Key Takeaways
Overall, Harvard Pilgrim Health Care offers Maine's best and most balanced health insurance coverage.
Taro Health provides the best cheap health insurance in Maine, with Silver-tier plans averaging $448 monthly, where available.
To find the best health insurance in Maine, research available companies, determine your coverage needs and compare quotes from multiple providers.
Best Health Insurance Companies in Maine
Best Provider | MG Score | Best Plan |
|---|---|---|
Harvard Pilgrim Health Care | 80 | Clear Choice Maine's Choice Plus HMO Silver 4200 w/ Pedi Dental |
Taro Health | 75 | TARO Clear Choice Silver 4200 |
Anthem Blue Cross and Blue Shield | 74 | Anthem Clear Choice Silver X Tiered 4200 |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Maine by Category
While our top picks offer a solid starting point, the best company for you might vary based on your profile and preferred plan type. Below, we've outlined top picks in common categories to help you find more personalized recommendations.
Category | Best Provider |
|---|---|
Young Adults | Harvard Pilgrim Health Care |
Seniors | Harvard Pilgrim Health Care |
PPO | Anthem Blue Cross and Blue Shield |
HMO | Harvard Pilgrim Health Care |
Best Maine Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability, and customer service reputation.
Harvard Pilgrim Health Care: Best Overall
pros
Allows coverage flexibility between in-network and out-of-network providers
Comprehensive network and coverage options
Best overall for most in Maine
cons
Higher-than-average premium costs
COMPANY HIGHLIGHTS
Overall, Harvard Pilgrim Health Care was our pick for the best health insurance in Maine due to its comprehensive coverage options and strong provider networks throughout the state. It offers robust benefits with access to quality health care systems, competitive plan designs and reliable claims processing that provides excellent value for Maine residents.
Taro Health: Best Cheap Overall
pros
Cheapest rates in Maine for most plan tiers
Unique free unlimited primary care and mental health benefits
Excellent claims approval record
cons
Very limited geographic coverage
Limited provider network outside of direct primary care
COMPANY HIGHLIGHTS
Taro Health offers some of the most affordable health insurance options in Maine, starting at $448 monthly for a Silver-tier plan. With budget-friendly premiums and reasonable out-of-pocket costs, Taro Health makes health care coverage accessible for cost-conscious Maine residents while maintaining access to essential health benefits and provider networks throughout the state.
Anthem Blue Cross Blue Shield: Best Customer Reputation
pros
Second-most-affordable rates in the state
Highest customer reputation score in Maine
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Anthem Blue Cross Blue Shield stands out for customer reputation in Maine as a trusted regional leader with strong member satisfaction and a comprehensive support infrastructure. With extensive experience serving Maine families, Anthem BCBS has built a solid reputation for reliable service, responsive claims processing and local market expertise that residents trust for their health care coverage needs.
How to Find the Best Health Insurance for You in Maine
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the max out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP could save you money. But you may not need as much coverage if you're not high risk. You should also compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying process and coverage claims process.
Shop around
Comparing multiple plans from many different providers ensures that you get the best possible deal. We found that rates can start as low as $46 per month in Maine depending on your personal profile and plan type chosen. Open Enrollment lasts from November 1 to January 15 but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child.
Take advantage of federal programs and subsidies
Those who have low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you are eligible for Medicare. MoneyGeek also provides information for finding the top Maine Medicare Supplement and best Medicare Advantage plans in Maine if you want to learn more.
Best Health Insurance in Maine: Bottom Line
Our top picks for health insurance in Maine are Harvard Pilgrim Health Care, Taro Health and Anthem Blue Cross and Blue Shield. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Maine Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in Maine:
What is the best health insurance provider in Maine for 2025?
Harvard Pilgrim Health Care provides the best health insurance in Maine for 2025. However, your best choice will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Maine?
When finding the best health insurance plan, compare premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Maine
To rank health care insurance providers in Maine, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Maine" and "Best Health Insurance in Maine for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Maine," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Maine for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.