Health Insurance for Individuals and Families

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 qualifying for free or low cost MaineCare coverage, purchasing major medical insurance, 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 Anthem Healthplans of MaineHarvard Pilgrim Healthcare, and Maine Community Health Options

Plans can be purchased directly through these three 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 three 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.

To learn more about what goes into a comprehensive major medical plan see the information about Marketplace Plans at CoverME.gov.

You may also find it helpful to read the Bureau's information about the different types of provider networks before purchasing a plan.

Dental Plans

Individuals and families can buy dental insurance either as a “stand alone” product (plans you can purchase 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 Comparison for Individuals 2021 (PDF) / 2022 (PDF).

NOTE: children covered by medical plans purchased through  CoverME.gov must have dental coverage, and, as with medical plans, subsidies can only be applied to pediatric dental plans purchased at  CoverME.gov.

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 our Rate Calculator.

  • Important Note: the premiums in the Rate Calculator do not reflect any subsidies you may qualify for. To see rates with the subsides included, visit  CoverME.gov.

Other Resources

See how to contact us, and read about how we can, and can't, assist you (PDF).

Find more resources at the National Association of Insurance Commissioners