Updated: December 22, 2025
Advertising & Editorial Disclosure
The most affordable health insurance options in Maine are Anthem at $865 monthly, Harvard Pilgrim Health Care at $903 and Mending Health at $947.
Anthem provides the lowest-cost health insurance for most Maine residents, including PPO members, adults, HMO participants, young adults, teens and seniors.
In Maine, residents save $52 monthly with Anthem's average rates of $865 compared to the statewide average for the cheapest health insurance.
Harvard Pilgrim Health Care ranks second at $903 monthly, while Mending Health comes third at $947. However, Anthem's lower premiums come with higher deductibles and maximum out-of-pocket costs.
| Anthem | $865 | $52 | $10,380 | $624 |
| Harvard Pilgrim Health Care | $903 | $14 | $10,836 | $168 |
| Mending Health | $947 | $30 | $11,364 | $360 |
| Community Health Options | $954 | $37 | $11,448 | $444 |
*Average monthly costs represent the mean of all plan rates for each provider, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
Average Monthly Rate
Average MOOP
Average Deductible
The best health insurance provider is also influenced by factors like age, selected plan type and chosen metal tier. Informed buyers also determine how monthly premiums balance against deductibles and maximum out-of-pocket limits.
In Maine, Anthem provides the most affordable rates across most demographics, but this comes with higher deductibles and out-of-pocket costs.
| Teens | Anthem | $516 | $6,195 | $8,533 | $4,500 |
| Young Adults | Anthem | $579 | $6,948 | $8,533 | $4,500 |
| Adults | Anthem | $723 | $8,671 | $8,533 | $4,500 |
| HMO | Anthem | $723 | $8,671 | $8,533 | $4,500 |
| PPO | Anthem | $787 | $9,441 | $8,500 | $4,000 |
| Seniors | Anthem | $1,534 | $18,414 | $8,533 | $4,500 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
For 40-year-olds in Maine, Anthem is an affordable health insurance provider. Bronze plans start at $557 monthly, while Silver coverage costs $723 per month and Gold plans run $777 monthly with a $2,500 deductible.
| Bronze | Anthem | $557 | $6,687 | $9,533 | $7,267 |
| Silver | Anthem | $723 | $8,671 | $8,533 | $4,500 |
| Gold | Anthem | $777 | $9,322 | $6,000 | $2,500 |
| Platinum | Community Health Options | $1,087 | $13,045 | $3,000 | $500 |
Using comprehensive Maine data, we've identified plans that match your situation and budget constraints.
We've collected statewide data for Maine to help you filter options based on your unique situation and budget.
| Anthem | Anthem Clear Choice Silver X Tiered 5000 | $712 | HMO | Silver | $8,500 | $5,000 | 40 | No |
| Anthem | Anthem Clear Choice Silver X Tiered 4000 | $728 | HMO | Silver | $8,500 | $4,000 | 40 | No |
| Anthem | Anthem Silver X Tiered 4500 | $728 | HMO | Silver | $8,600 | $4,500 | 40 | No |
| Community Health Options | Health Options Clear Choice Silver $5000 HMO Tiered NE | $736 | HMO | Silver | $8,500 | $5,000 | 40 | No |
| Community Health Options | Health Options Silver $5800 HMO Tiered NE | $738 | HMO | Silver | $9,500 | $5,800 | 40 | No |
| Harvard Pilgrim Health Care | Clear Choice Maine's Choice Plus HMO Silver 5000 | $747 | HMO | Silver | $8,500 | $5,000 | 40 | No |
| Mending Health | MENDING Clear Choice Silver 4000 (No Direct Primary Care/DPC) | $756 | HMO | Silver | $8,500 | $4,000 | 40 | No |
| Mending Health | MENDING Direct Primary Care Silver 2300 ($0 DPC + $0 PCP + $0 Mental Health) | $757 | HMO | Silver | $8,500 | $4,000 | 40 | No |
| Harvard Pilgrim Health Care | Clear Choice Maine's Choice Plus HMO Silver 4000 | $768 | HMO | Silver | $8,500 | $4,000 | 40 | No |
| Community Health Options | Health Options Clear Choice Silver $4000 HMO Tiered NE | $776 | HMO | Silver | $8,500 | $4,000 | 40 | No |
The following tips will help you find affordable coverage.
Don't automatically pick the lowest-premium Bronze plan. Silver and Gold tiers often deliver better value when you calculate total yearly costs, including deductibles and copays. If you visit doctors regularly or take medications, higher-tier plans can save money despite higher monthly premiums.
Calculate last year's medical expenses to guide your choice. If you spent $400 on one annual checkup and a minor urgent care visit, a high-deductible plan with a $7,000 deductible might save you $120 monthly compared to comprehensive coverage.
HMO plans in Maine cost less than PPO alternatives but require staying within specific provider networks. The monthly savings can be good if you're willing to work within network restrictions and don't mind getting referrals for specialists.
Premium tax credits through the Health Insurance Marketplace reduce monthly costs based on household income. Families earning up to four times the federal poverty level may qualify for assistance, so check your eligibility before buying coverage elsewhere.
Open enrollment offers the best plan selection and pricing. Missing this time means waiting until next year unless you experience a qualified life event like marriage, job loss or moving.
Verify your preferred doctors and hospitals accept your chosen plan before enrolling. Network restrictions vary between insurers in Maine. Call your doctor's office directly to confirm they're in-network.
For Maine residents, Anthem provides the most affordable rates across multiple coverage tiers. Harvard Pilgrim Health Care and Mending Health round out the top three with competitive pricing options. You can look for the best rate by looking at multiple plan types and metal levels from several companies
Below are responses to frequently asked questions about Maine health insurance:
Compare plans across metal tiers from companies such as Anthem, Harvard Pilgrim Health Care and Mending Health during open enrollment. Check if you qualify for premium tax credits through the Health Insurance Marketplace and consider HMO plans for lower rates while balancing monthly premiums against deductibles.
Maine health insurance averages $884 monthly or $10,615 annually across all plan types and metal levels. Monthly premiums span from $384 to $2,308 varying by age, chosen coverage tier and plan type.
Maine does not require residents to have health insurance. The federal individual mandate penalty ended in 2019, so you won't face tax penalties for being uninsured. However, going without coverage leaves you vulnerable to high medical expenses and eliminates access to preventive care benefits.
We gathered plan information from CoverME for consumers aged 18 to 60, analyzing costs for 18, 26, 40, 50 and 60-year-olds to find Maine's most affordable health insurance options. Our overall cheapest rankings focus on 40-year-olds' monthly premiums, as this age group is the most common demographically and provides a clear comparison.
For age-specific rankings, we used the corresponding premium costs for each group. Lower premiums typically come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving medical care.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
