ACA Individual Plans Rate Calculator Instructions

The Bureau of Insurance has created a calculator to make it easy for you to see the estimated rate for each of the individual plans available to you and your family members (both on and off the Marketplace), based on your age, county and smoking status.

2020 Individual Rate Calculator

2019 Individual Rate Calculator

How to Use the Bureau’s Individual Health Plan Calculator:

  • Enter: the number of family members who need insurance and their county of residence
  • Enter: the age and smoking status of each family member in the grid that appears.
  • Click: the "Click Here to Calculate Rates" button. 
  • **The estimated premium cost associated with each plan available to you will be calculated in yellow in the right-most column.

If you need assistance with the calculator, contact Keith Fougere by email at  or by telephone at 207-624-8432 (TTY call Maine Relay 711).

NOTE:  These rates do NOT reflect any subsidies. Subsidies are only for On-Exchange plans available through the Marketplace at and can be estimated for you there by answering a few questions online.

Important Notes:

  • Not all plans are available in every county. If a plan is not available in your county the Monthly Rate will show a "N/A" when you hit the “Click Here to Estimate Rates” button.
  • Catastrophic Plans are only available for people aged 30 and under, or for people who qualify for a "hardship or affordability exemption.”  
  • The family deductible is twice the amount of the individual deductible and the out of pocket (OOP) maximum for a family is twice the OOP of an individual, capped at $16,300 per family for 2020 ($15,800 per family for the year 2019).

Refer to our glossary of terms for assistance with definitions used in the plan and rate tables.