Maine's health insurance market offers many choices for major medical and dental coverage.
Major Medical Plans
CoverME.gov is the one stop shop for Mainers looking for health coverage. There you will find information about purchasing major medical insurance, qualifying for free or low cost MaineCare coverage, and how and where to get free help with your questions and applications.
Be aware that the only comprehensive, major medical plans approved for sale directly to individuals and families in Maine (versus through an employer) are offered by Aetna, Anthem Healthplans of Maine, Harvard Pilgrim Healthcare, Community Health Options, Taro Health, and United Healthcare.
Plans can also be purchased directly through these six companies, but if you qualify for subsidies to help lower the cost of your monthly premium, you should shop through CoverME.gov to have the subsidies applied.
Comprehensive major medical plans provide broad coverage for a wide range of health services such as office visits, lab work, emergency room visits, hospitalizations, and medications.
NOTE: The comprehensive major medical plans sold by the six companies listed above are the only plans required by law to pay for a certain percentage of your medical costs and to cover pre-existing conditions (conditions you were treated for, or consulted a provider about, before purchasing coverage). Other plans - called limited benefit plans - may sound like they will save you money but can cost you many times more if you have a serious illness, hospitalization, or accident requiring medical care.
You may also find it helpful to read the Bureau's information about the different types of provider networks before purchasing a plan.
Individuals and families can buy dental insurance either as a “stand alone” product (purchased separately) or as part of a medical plan. Information about both options can be found at CoverME.gov.
Stand alone plans can also be viewed on the following charts:
Stand Alone Dental Plan Comparison for Individuals
Tools to Help With Your Homework
Make notes as you review the plans available to you, with this Shopping Comparison Tool (PDF).
Get a quick look at plans available to you and an estimate of your monthly premium, using the Bureau's Rate Calculator. To see rates with your potential subsidies applied, visit CoverME.gov. The Bureau's Rate Calculator does not reflect subsidies you may qualify for.
- Complaints, Appeals and External Reviews
- FAQs About Health Insurance
- Health Insurance Guides
- ACA Tax Provisions for Individuals and Families (IRS)
- Public Access to ACA Rate Filings in Maine
- Market Snapshot of Individual Health Insurance in Maine (PDF)
- Glossary of Insurance Terms
Find more resources at the National Association of Insurance Commissioners