Best Health Insurance in Maine (2026)

Key Takeaways

Mending Health is Maine's top health insurance provider. It balances affordable premiums, manageable deductibles and reasonable out-of-pocket limits.

Anthem has the cheapest health insurance in Maine. Its out-of-pocket costs and deductibles aren't the most affordable, though.

Get quotes from multiple providers when shopping for health insurance in Maine. Comparing plans helps you find coverage fitting your budget and healthcare needs. You might prioritize lower upfront costs, broader doctor access or predictable annual expenses.

Best Health Insurance Companies in Maine

Mending Health is the best health insurance company in Maine. It combines competitive premiums, manageable deductibles and reasonable out-of-pocket maximums. Other top Maine insurers: Anthem, Harvard Pilgrim and Community Health Options. Each provides reliable coverage with different costs and network options.

Comparing these providers helps you identify the plan balancing affordability, access to care and overall value. The table shows average monthly rates, deductibles, maximum out-of-pocket costs, MoneyGeek scores and the highest-rated Silver plans for each provider.


Mending Health	$757	$8,500	$4,000	4.7	MENDING Clear Choice Silver 4000 (No Direct Primary Care/DPC)
Anthem	$723	$8,533	$4,500	4.6	Anthem Clear Choice Silver X Tiered 5000
Harvard Pilgrim Health Care	$796	$8,500	$4,500	4.2	Clear Choice Maine's Choice Plus HMO Silver 4000
Community Health Options	$750	$8,833	$4,933	3.8	Health Options Clear Choice Silver $4000 HMO Tiered NE

*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier HMO plans.

Mending Health

MoneyGeek Rating

4.7/ 5

4.5/5Affordability

5/5Deductible

5/5MOOP

Average Monthly Rate
$757
Average MOOP
$8500
Average Deductible
$4000

pros
- Lowest deductibles statewide across all metal tiers
- Gold plans feature low $1,250 deductibles
- Bronze, Silver and Gold options available
cons
- Limited to HMO network structures only
- Bronze plans carry high $8,000 deductibles and $10,150 MOOP exposure
Mending Health is Maine's best health insurance provider. It sells HMO plans across all metal tiers. Silver plans for 40-year-olds cost $757 monthly ($3 below the state average). Silver has $4,000 deductibles and $8,500 maximum out-of-pocket limits. Mending Health ranks first in the Silver category.

Bronze plans cost $673 monthly with HSA eligibility, $6,817 deductibles and $9,383 out-of-pocket maximums. Bronze ranks third in its tier. Gold coverage costs $924 monthly. Gold has the lowest deductibles in its tier at $1,250 but out-of-pocket maximums hit $7,400.

Mending Health balances competitive pricing with manageable deductibles across all tiers. This makes it the strongest HMO choice for Maine residents.

Mending Health insurance plans in Maine:

Data filtered by:


MENDING Direct Primary Care Bronze 4950 ($0 DPC + $0 PCP + $0 Mental Health)	$655	HMO	Bronze	$10,150	$4,950	Yes
MENDING Clear Choice Bronze 8000 HSA (No Direct Primary Care/DPC)	$681	HMO	Bronze	$8,000	$8,000	Yes
MENDING Clear Choice Bronze 7500 (No Direct Primary Care/DPC)	$683	HMO	Bronze	$10,000	$7,500	Yes

Anthem

MoneyGeek Rating

4.6/ 5

5/5Affordability

3.3/5Deductible

4.7/5MOOP

Average Monthly Rate
$723
Average MOOP
$8533
Average Deductible
$4500

pros
- Lowest premiums in the state
- Gold plans feature competitive $2,500 deductibles
- Offers both HMO and PPO options available
- Lower maximum out-of-pocket limits available on Gold tier plans
cons
- Bronze HMO plans carry high $7,267 annual deductibles
- Bronze plans have higher MOOP exposure
Anthem sells HMO and PPO plans in Maine across Bronze, Silver and Gold tiers. HMO Bronze coverage for 40-year-olds costs $557 monthly ($51 below the state average). HMO Bronze includes HSA eligibility, $7,267 deductibles and $9,533 maximum out-of-pocket limits.

HMO Gold costs $777 monthly with $2,500 deductibles and $6,000 maximums. HMO Gold ranks first in its tier. HMO Silver costs $723 monthly and ranks second. Anthem's PPO plans deliver good value in Maine. Bronze PPO costs $597 monthly. Silver PPO costs $787. Gold PPO costs $856. These PPO plans have lower deductibles while keeping premiums competitive.

Anthem gives Maine residents a comprehensive portfolio. It consistently delivers top-tier value and flexibility.

Maine health insurance plans from Anthem:

Data filtered by:


Anthem Clear Choice Bronze X Tiered 6300 HSA	$563	HMO	Bronze	$8,000	$6,300	Yes
Anthem Bronze X Tiered 8000	$538	HMO	Bronze	$10,600	$8,000	Yes
Anthem Clear Choice Bronze X Tiered 7500	$572	HMO	Bronze	$10,000	$7,500	Yes
Anthem Clear Choice Bronze X PPO 6300 HSA	$597	PPO	Bronze	$8,000	$6,300	Yes

Harvard Pilgrim Health Care

MoneyGeek Rating

4.2/ 5

4.2/5Affordability

3.3/5Deductible

5/5MOOP

Average Monthly Rate
$796
Average MOOP
$8,500
Average Deductible
$4,500

pros
- Lower maximum out-of-pocket limits
- Gold plans offer lower deductibles at $2,167 annually
- Bronze, Silver, and Gold tier plans
cons
- Offers HMO plans only, limiting provider network flexibility
- Bronze plans carry high deductibles exceeding $7,300
Harvard Pilgrim Health Care performs consistently across Maine's HMO marketplace. It ranks second and third across multiple tiers.

Bronze coverage for 40-year-olds costs $606 monthly (nearly matches state averages). Bronze includes HSA eligibility, $7,329 deductibles and the tier's lowest out-of-pocket maximum at $8,857. Bronze ranks second. Gold costs $842 monthly with competitive $2,167 deductibles and $5,667 maximum out-of-pocket costs. Gold ranks third.

Silver averages $796 monthly with $4,500 deductibles and $8,500 out-of-pocket limits. Silver also ranks third in its tier.

Harvard Pilgrim balances reasonable premiums with strong cost protections. This makes it a reliable HMO choice for Maine residents wanting predictable healthcare expenses without major trade-offs.

Harvard Pilgrim health insurance options in Maine:

Data filtered by:


Maine's Choice Plus HMO HSA Bronze 7200	$552	HMO	Bronze	$8,000	$7,200	Yes
Clear Choice Maine's Choice Plus HMO HSA Bronze 6300	$594	HMO	Bronze	$8,000	$6,300	Yes
Clear Choice HMO HSA Bronze 6300	$631	HMO	Bronze	$8,000	$6,300	Yes
Clear Choice HMO HSA Bronze 8000	$614	HMO	Bronze	$8,000	$8,000	Yes
Clear Choice Maine's Choice Plus HMO Bronze 7500	$608	HMO	Bronze	$10,000	$7,500	Yes
HMO Bronze 8500	$604	HMO	Bronze	$10,000	$8,500	Yes
Clear Choice HMO Bronze 7500	$639	HMO	Bronze	$10,000	$7,500	Yes

Best Health Insurance in Maine by Category

Health insurance costs in Maine change by age, plan type and metal tier. Silver plans range from $516 to $1,671 monthly depending on provider and demographic. We compared premiums, deductibles and out-of-pocket maximums by age group and plan type. This helps residents find the most suitable coverage.

This breakdown shows which insurers deliver the strongest value for HMO and PPO coverage at each life stage. You can identify the best options for affordability, network access and predictable healthcare costs.

By Age:

Teens (18): Mending Health HMO plans cost $540 monthly, Anthem HMO plans cost $516, and Anthem PPO plans cost $562.
Young adults (26): Mending Health HMO plans cost $606 monthly, Anthem HMO plans cost $579, and Anthem PPO plans cost $630.
Adults (40): Mending Health HMO plans cost $757 monthly, Anthem HMO plans cost $723, and Anthem PPO plans cost $787.
Seniors (60): Mending Health HMO plans cost $1,607 monthly, Anthem HMO plans cost $1,534, and Anthem PPO plans cost $1,671.

By Plan Type:

PPO: Anthem charges 40-year-olds $787 monthly with a $4,000 deductible and $8,500 MOOP.
HMO: Mending Health offers quality HMO coverage for 40-year-olds at $757 monthly with a $4,000 deductible and $8,500 MOOP.

All rates are averages based on Silver plans for the given category.

Compare Maine Health Insurance Providers

Maine health insurance costs differ by provider, with variations in monthly premiums, deductibles, and out-of-pocket maximums. Use the filters for age, metal tier, plan type, and HSA eligibility to find and compare the coverage that best fits your needs.

Data filtered by:


Mending Health	$757	HMO	Silver	$8,500	$4,000	40	No
Anthem	$723	HMO	Silver	$8,533	$4,500	40	No
Harvard Pilgrim Health Care	$796	HMO	Silver	$8,500	$4,500	40	No
Community Health Options	$750	HMO	Silver	$8,833	$4,933	40	No

How to Choose the Best Health Insurance in Maine

Choosing health insurance in Maine means weighing premiums against deductibles, network access and coverage limits.

1
Assess your health care needs
Review your medications, planned procedures and doctor visit frequency to choose the right coverage level. Past medical expenses help predict future costs and inform your deductible choice. Factor in chronic conditions or upcoming surgeries requiring specialized care in Portland or Bangor.
2
Compare multiple insurer quotes
Request rates from at least three Maine health insurance companies to identify price differences and coverage variations. Premiums vary between insurers for similar coverage. Small business owners in Augusta should compare individual and group plan options for the most cost-effective solution.
3
Verify provider networks
Confirm your doctors, specialists and hospitals accept the plans you're considering. Out-of-network care costs more and may require full upfront payment. Maine Medical Center and Eastern Maine Medical Center have different insurer partnerships; check network directories before enrolling.
4
Review cost-sharing details
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your out-of-pocket maximum caps annual expenses, limiting total costs during major medical events. Balance monthly affordability with potential health care expenses based on your family's medical history and budget.
5
Evaluate plan types
HMOs, PPOs, EPOs and POS plans each balance cost against flexibility differently. HMOs require referrals but cost less. PPOs let you see specialists without approval at higher premiums. Choose based on whether you prioritize lower costs or direct specialist access.
6
Explore federal programs
Subsidies and Medicare plans make health insurance more affordable for qualifying individuals. If you have low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options. These programs often provide better value than individual market plans.

How Much Does Health Insurance Cost in Maine?

HMO plans offer the most affordable Bronze coverage in Maine at $609 monthly, while Silver tier costs $760. PPO plans cost more for Bronze ($644) and Silver ($789) tiers but offer the cheapest Gold coverage at $841 compared to HMO's $842.

PPO is the only plan type with Platinum coverage in Maine, averaging $1,087 monthly. PPO plans expand your provider network beyond HMO options but cost more across most metal tiers. Maine doesn't offer EPO or POS plans.


HMO	$609	$760	$842	No Data
PPO	$644	$789	$841	$1,087

*Rates are averages for 40-year-olds in Maine. Your rates will vary based on your age and location.

Best Health Insurance in Maine: Bottom Line

Mending Health, Anthem and Harvard Pilgrim rank as Maine's top health insurance providers for 2026. Mending Health offers the best balance of competitive premiums and comprehensive coverage, while Anthem provides the cheapest monthly rates but comes with higher deductibles.

Best Maine Health Insurance: FAQ

Maine residents often ask about enrollment periods, state insurance requirements and how multiple plans work together.

How do I get health insurance in Maine?

Maine residents can get health insurance through CoverME.gov, the state's official marketplace, or buy directly from insurance companies and licensed brokers. Open enrollment is from November 1 to January 15 for 2026 coverage. Special enrollment periods are available after qualifying life events like job loss or marriage. Employer group plans are also available.

Are you required to have health insurance in Maine?

Maine doesn't require health insurance, so you won't face penalties for going without coverage, but being uninsured means you'll pay the full cost of medical care out of pocket. A single hospital stay or emergency room visit could easily cost thousands of dollars.

Can you have multiple health insurance plans in Maine?

Yes, you can have multiple health insurance plans in Maine. Through coordination of benefits, your primary plan pays first, and your secondary plan may cover remaining eligible expenses. This arrangement commonly occurs when both spouses have employer-sponsored coverage or when combining Medicare with supplemental insurance.

Our Review Methodology

We ranked Maine health insurance providers by focusing on monthly premiums first, since these represent your biggest ongoing expense. We also analyzed maximum out-of-pocket limits and deductibles, which affect your total yearly costs.

Our Scoring System

We weighted three cost factors:

Monthly premium (60%): Your recurring monthly payment has the biggest impact on affordability. Providers with lower average premiums score higher.
Maximum out-of-pocket (20%): This caps your total yearly spending beyond premiums. Lower limits earn better scores.
Deductible (20%): This is what you pay before your coverage kicks in. Lower average deductibles score higher.

Sample Consumer Profile

We reviewed every 2026 plan available in Maine for people aged 18, 26, 40, 50 and 60. Pricing shows rates for 40-year-olds unless we note otherwise. We analyzed all metal tiers, including 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Health Insurance in Maine (2026)

Best Health Insurance Companies in Maine

Best Health Insurance in Maine by Category

Compare Maine Health Insurance Providers

How to Choose the Best Health Insurance in Maine

How Much Does Health Insurance Cost in Maine?

Best Health Insurance in Maine: Bottom Line

Best Maine Health Insurance: FAQ

How do I get health insurance in Maine?

Are you required to have health insurance in Maine?

Can you have multiple health insurance plans in Maine?

Our Review Methodology

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