Health insurance for Mainers who buy their own.
We help Mainers who buy their own health insurance, including people leaving a job, self-employed workers and early retirees, compare Marketplace plans, MaineCare eligibility and other options for 2026 and 2027.
Maine plans we compare
What’s different about health insurance in Maine.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Maine FAQ- Maine runs its own Marketplace, and open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027.
- The enhanced federal tax credits ended after 2025, so households above 400% of the poverty level no longer get premium help.
- MaineCare covers adults under 65 with income up to 138% of the poverty level, and you can apply any time.
- Maine's individual and small-group markets are merged, and a state reinsurance program (MGARA) helps hold down full-price premiums.
- Short-term plans are tightly limited by state law, and no insurers are currently marketing them in Maine.
- Mending Health is leaving after 2026, and approved 2027 rates rise an average of 14.8% before subsidies.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Maine's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Maine, and what to use instead.
Learn moreWho sells plans in Maine
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Maine FAQ, or ask an agent at (888) 214-4898.
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Signing up on the last day means a later start date, so enroll earlier if you want coverage on January 1. Outside that window you need a qualifying life event such as losing other coverage.
Yes. The enhanced premium tax credits expired on December 31, 2025. For 2026, about 74% of Maine Marketplace enrollees got a tax credit, down from 85% in 2025, and households above 400% of the poverty level no longer qualify.
Maine does not add a state premium subsidy to the federal tax credit. Instead, it runs a reinsurance program, the Maine Guaranteed Access Reinsurance Association, that pays part of high claims and helps keep full-price premiums lower across the merged individual and small-group market.
The Bureau of Insurance approved an average 23.9% increase for the individual market in 2026. For 2027, approved increases for the remaining Marketplace insurers average 14.8% before subsidies. What you pay depends on your age, location, plan and tax credit.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Maine county, check your subsidy, and walk you through the options. No cost, no obligation.