Anthem Blue Cross and Blue Shield provides Maine's cheapest overall health insurance, with an average monthly premium of $448. Availability can vary, so check out Taro Health and Harvard Pilgrim Health Care for affordable health plans.
Most Affordable Health Insurance in Maine
Updated: June 8, 2025
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Key Takeaways
Anthem Blue Cross and Blue Shield provides Maine's most affordable health insurance, saving policyholders an average of $300 per month compared to the state average.
Community Health Options offers top-rated full coverage Platinum plans, with affordable pricing starting at $888 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Maine
| Anthem Blue Cross and Blue Shield | $448 | $300 |
| Taro Health | $547 | $201 |
| Harvard Pilgrim Health Care | $590 | $158 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Maine Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Maine, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Taro Health ($439 monthly)
- Cheapest For Seniors: Taro Health ($1,162 monthly)
- Cheapest Bronze Plan: Taro Health ($462 monthly)
- Cheapest Silver Plan: Taro Health ($547 monthly)
- Cheapest Gold Plan: Taro Health ($627 monthly)
- Cheapest Full Coverage (Platinum Plan): Community Health Options ($888 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| Taro Health | TARO Clear Choice Silver 4200 (No Direct Primary Care/DPC) | $547 | $72 | $8,000 |
Cheapest Health Insurance Plans by County in Maine
While Anthem Blue Cross and Blue Shield is the cheapest provider overall, it also dominates in affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Androscoggin | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Aroostook | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Cumberland | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Franklin | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Hancock | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Kennebec | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Knox | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Lincoln | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Oxford | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Penobscot | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Piscataquis | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Sagadahoc | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Somerset | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Waldo | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| Washington | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
| York | Anthem Blue Cross and Blue Shield | $480 | Anthem Clear Choice Silver X Tiered 5500 |
How to Find the Cheapest Health Insurance in Maine
Follow these steps to find affordable health insurance in Maine:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.
- 5
Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15, though Special Enrollment is possible if you've experienced job loss, divorce or childbirth. Evaluate plan types, costs, customer reviews and network availability to find the most suitable and affordable coverage for your circumstances.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Maine: Bottom Line
Anthem Blue Cross and Blue Shield, Taro Health and Harvard Pilgrim Health Care are Maine's most affordable health insurance companies. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Maine Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Maine:
What is the cheapest health insurance in Maine?
Anthem Blue Cross and Blue Shield offers the cheapest health insurance in Maine, with Silver plans starting at $448 monthly for 40-year-olds. However, Taro Health and Harvard Pilgrim Health Care could suit your needs based on income and preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Maine
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Maine based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.