Updated: September 4, 2026
Advertising & Editorial Disclosure
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 health care needs. You might prioritize lower upfront costs, broader doctor access or predictable annual expenses.
Maine's individual health insurance marketplace has four statewide carriers offering 2026 plans through CoverME.gov. Mending Health is the best health insurance company in Maine, with a $757 monthly Silver premium and a $4,500 deductible.
Anthem has a lower premium at $723 per month for a Silver HMO, while deductibles and other cost-sharing vary across carriers. Other top insurers include Harvard Pilgrim and Community Health Options.
| 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 |
* Rates shown are statewide averages for 40-year-olds with Silver-tier HMO plans.
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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.
By Age:
By Plan Type:
All rates are averages based on Silver plans for the given category.
A 60-year-old pays nearly three times what an 18-year-old pays for the same Mending Health Silver-tier HMO: $1,607 vs. $540 per month. That $1,067 premium gap pushes some Maine residents in their late 50s, who don't yet qualify for Medicare, to go uninsured. But subsidy eligibility on CoverME.gov changes that at certain income levels as you pay far less premium once if you qualify.
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.
| 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 |
Premiums, deductibles, network access and coverage limits determine which Maine plan costs you least overall. Work through these six steps before you enroll.
Start with what you use: your medications, any planned procedures and how often you see a doctor. Last year's medical bills help you estimate costs and identify which deductible range fits your situation.
Chronic conditions or upcoming surgeries add another layer, so check whether your shortlisted plans cover specialized care at Maine Medical Center or Eastern Maine Medical Center before comparing premiums.
Maine's four marketplace carriers quote Silver-tier HMO plans from $723 to $796 a month for a 40-year-old, an $876 a year difference for the same coverage tier. Deductibles at that tier ranged from $4,000 to $4,933, so the cheapest monthly premium doesn't guarantee the lowest annual cost.
A plan that saves $34 a month but adds $500 to your deductible costs you more in any year you use enough care to hit it. Pull quotes from all four carriers on CoverME.gov before narrowing down.
Network status matters before premium does. Maine Medical Center and Eastern Maine Medical Center have different insurer partnerships, so the plan that looks best on price may not cover your closest hospital. Check network directories for each plan before enrolling because out-of-network care can require full payment upfront.
The monthly premium is what you pay whether or not you use care. Deductible and out-of-pocket maximum determine what you pay when you do. A low-premium plan with a high deductible can cost more in a year where you need care than a plan with a higher monthly rate and lower cost-sharing ceiling.
HMOs, PPOs, EPOs and POS plans distribute the cost-flexibility trade-off differently. HMOs cost less and require referrals to see specialists. PPOs remove the referral requirement at a higher monthly rate. Where your doctors practice and whether you travel for care should determine which structure fits.
Subsidies can bring monthly costs down for qualifying residents. Adults 65 and older, those approaching that threshold, and people with qualifying disabilities should compare Medicare Advantage and Medicare Supplement options alongside individual market plans. Medicare will often cost less.
The average cost of health insurance in Maine is $760 per month for a Silver HMO and $789 for a Silver PPO for a 40-year-old in 2026. Bronze plans are the cheapest, averaging $609 to $644 per month, while Gold plans average $841 to $842. Platinum PPO coverage averages $1,087 per month, and there are no Platinum HMO plans in the state. These rates are before premium tax credits, which can greatly reduce what eligible enrollees pay.
HMO | $609 | $760 | $842 | N/A |
PPO | $644 | $789 | $841 | $1,087 |
*Rates shown are statewide averages for 40-year-olds in Maine. Your rates will vary based on your age and location.
Maine residents can get health insurance through CoverME.gov, the state's official marketplace or buy directly from insurance companies and licensed brokers or use our guide on how to get health insurance. 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.
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.
Yes. You can hold multiple health insurance plans in Maine. Coordination of benefits determines the payment order: your primary plan pays first, and the secondary plan covers some or all of what remains. Dual coverage is most common when both spouses have separate employer-sponsored plans or when a Medicare enrollee adds a supplemental plan to cover gaps.
It depends on the plan type. HMO plans, sold by Mending Health, Harvard Pilgrim Health Care and Community Health Options, require you to use in-network providers for covered care. Anthem is the only carrier in Maine's 2026 marketplace offering both HMO and PPO Silver-tier plans. A PPO Silver plan from Anthem costs $787 per month and gives you out-of-network access, though at higher cost-sharing than in-network visits. Check each carrier's provider directory at CoverME.gov before enrolling to confirm your doctor participates.
Missing the January 15 deadline means you can't buy a marketplace plan until the next open enrollment period in November unless you qualify for a special enrollment period. Qualifying life events include losing job-based coverage, moving to Maine, getting married or having a child. MaineCare, Maine's Medicaid program, accepts applications year-round for residents who meet income requirements. Visit CoverME.gov to check your eligibility.
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
MoneyGeek weighted three cost factors to build its scores. Monthly premiums carry the most weight at 60% because they have the biggest impact on what you pay each month. Providers with lower average premiums score higher.
The remaining 40% splits evenly between maximum out-of-pocket costs and deductibles, at 20% each. Lower out-of-pocket maximums and lower deductibles both earn higher scores.
Sample Consumer Profile
We reviewed every 2026 plan listed on CoverME.gov for Maine residents aged 18, 26, 40, 50 and 60. Our data collection covers all metal tiers available in Maine: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum. We collected plan data in early 2026. Pricing shows rates for 40-year-olds unless we note otherwise.
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek, analyzing hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
