Maine · ME
Maine health insurance 2027: prices, plans and free help
In Maine, the 2027 benchmark silver plan for a 40-year-old averages $804 a month before tax credits, up 13% from 2026 (KFF). Open Enrollment runs Nov 1, 2026 to Jan 15, 2027. A licensed advisor from America First Healthcare can compare private plans and Marketplace options with you on a free call.
Verify any agent's license through the NIPR lookup.
Reviewed by Jordan SarmientoUpdated
Quick facts
- Marketplace
- CoverME.gov
- 2027 open enrollment
- Nov 1 to Jan 15
- Medicaid expansion
- Adopted
- Insurance department
- Maine Bureau of Insurance
Facts checked 2026-09-17.
Maine in 2027 at a glance
- Benchmark silver, age 40
- $804/mo
- 2027, before credits. Up 13% from 2026.
- Enrolled for 2026
- 58,523
- 74.5% got a premium tax credit.
- Open Enrollment
- Nov 1 to Jan 15
- Enroll by Dec 15 for a Jan 1 start.
Sources: KFF and CMS (2027 plan data), linked in the sections below.
Maine health insurance facts
- Marketplace
- Maine runs its own state-based marketplace, CoverME.gov.Source
- 2027 open enrollment
- Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 15, 2027 through CoverME.gov; enroll by Dec 15, 2026 for coverage that starts January 1.Source All states' 2027 dates.
- Medicaid expansion
- Maine adopted Medicaid expansion by ballot measure; coverage began January 10, 2019.Source
- State insurance department
- Maine Bureau of Insurance. File complaints and check agent licenses here.Source
Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.
Average cost of health insurance in Maine for 2027
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $804 a month for a 40-year-old in Maine for 2027, before any credit. That is up 13% from $709 in 2026.Source
2027 benchmark silver price by age in Maine
| Age | Per month, before credits |
|---|---|
| 21 | $629 |
| 30 | $714 |
| 40 | $804 |
| 50 | $1,124 |
| 60 | $1,707 |
| 64 | $1,887 |
Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.
The 2026 Marketplace in Maine, in numbers
For 2026, 58,523 Maine residents picked a Marketplace plan during Open Enrollment, and 74.5% of them received an advance premium tax credit. The average premium was $913 a month per person before the credit and $340 after it, counting everyone who picked a plan. 8.2% paid $10 a month or less after the credit.Source State premium help paid by Maine’s own exchange is not included in these figures.
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $709 a month for a 40-year-old in Maine in 2026, before any credit.Source
Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.
What our clients paid, by state and kind of plan, is in health insurance cost by state.
Health insurance companies in Maine for 2027
Maine runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on CoverME.gov. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.
Cheap health insurance in Maine: where the low prices are
Tax credits change the price most. For 2026, 74.5% of Maine Marketplace enrollees got a premium tax credit, and 8.2% paid $10 a month or less after it.Source
Maine expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.
Free, impartial help in Maine
If you have Medicare or will soon: Maine’s State Health Insurance Assistance Program (SHIP) is Maine State Health Insurance Assistance Program (SHIP), 1-800-262-2232.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source
America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.
Who we usually help in Maine
New to private coverage? Start with private health insurance in the USA.
- Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- People who are out of work
- Families who want catastrophic-first coverage
We work with families across Maine, including Portland, Lewiston and Bangor, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.
What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.
Maine health insurance FAQs
When is open enrollment in Maine for 2027 coverage?
Open Enrollment for 2027 coverage in Maine runs Nov 1, 2026 to Jan 15, 2027 through CoverME.gov. Enroll by Dec 15, 2026 for coverage that starts January 1, 2027.
How much does health insurance cost in Maine?
For 2027, the benchmark silver plan for a 40-year-old in Maine averages $804 a month before tax credits, up 13% from $709 in 2026 (KFF). In 2026, Maine Marketplace enrollees paid $340 a month on average after tax credits ($913 before) (CMS). Your own price depends on your age, county, household income and plan.
What is the average cost of health insurance in Maine by age?
For 2027, the benchmark silver plan in Maine averages about $714 a month at age 30, $804 at 40, $1,124 at 50 and $1,707 at 60, before tax credits (KFF benchmark for age 40, other ages on the CMS default age curve). Most Marketplace buyers pay less after a premium tax credit.
Does Maine use HealthCare.gov or its own marketplace?
Maine runs a state-based marketplace called CoverME.gov. Marketplace plans and any premium tax credit in Maine go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in Maine?
Look the agent up through the NIPR license lookup, or contact the Maine Bureau of Insurance. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.