Paige Cerulli Last Updated On: August 28, 2023

Find Affordable Health Insurance in Maine

Purchasing a quality health insurance plan can help you to afford the healthcare you need, when you need it. It also provides valuable peace of mind, letting you focus on your health instead of worrying about finances.

But finding the best health insurance in Maine can be challenging, and you might not know where to start. We’ve outlined the information you need to know about how to find affordable health insurance in Maine.

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Table of Contents

The Average Cost of Health Insurance in Maine

The average cost of health insurance in Maine depends on whether you choose a Bronze, Silver, Gold, or Platinum plan. Bronze plans are the most affordable, but they have higher deductibles. Gold plans tend to have higher premiums, but lower deductibles, so they’re often a good choice for people with significant or frequent healthcare needs.

 Average Premium for Health Insurance in Maine
Most Affordable Bronze Plan$372
Most Affordable Silver Plan$449
Most Affordable Gold Plan$507

Other factors impact your health insurance costs, too. Your age, health status, location, and the number of dependents on your plan impact your premiums.

If you have access to an employer-sponsored plan, you may pay a lower premium. Maine employer-sponsored health insurance plans cost an average of $1,613 per year after the employer’s contribution.

Since the cost of health insurance in Maine can vary significantly, a personalized quote will give you the most accurate idea of what you will pay for your insurance. You can get a free health insurance quote from ConsumerCoverage today.

Types of Maine Health Insurance Plans

The type of plan that you choose will impact your premiums and your coverage. We’ve highlighted a few of the most common types of health insurance in Maine:

  • Health Maintenance Organization (HMO) plans have low premiums and deductibles, so they tend to be popular choices. HMO plans require you to have a primary care physician, and you must receive in-network care for it to be covered.
  • Preferred Provider Organization (PPO) plans give you some additional flexibility, since you can also seek care from out-of-network providers. You aren’t required to have a primary care physician, but PPO premiums and deductibles are usually higher than those of a HMO plan.
  • Exclusive Provider Organization (EPO) plans have lower premiums and deductibles, but you’re required to receive in-network care. You aren’t required to have a primary care physician with an EPO plan.

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Cheap Health Insurance in Maine

Low-income individuals and families may also be eligible for several cheap health insurance programs:

Maine Medicaid

MaineCare, the Maine Medicaid program, offers need-based health insurance to low-income or very-low-income individuals. To qualify, adults age 19 to 64 will need a household income of $18,075 or less per year, which is less than or equal to 133% of the Federal Poverty Level (FPL). Individuals must have no more than $2,000 in assets, and couples must have no more than $3,000 in assets.

MaineCare SCHIP

The MaineCare SCHIP program offers free or cheap health insurance to pregnant women or families with children. Participants must meet several eligibility criteria, including having a family income between 158% and 208% of the FPL.

Maine Medicare

Seniors and people with disabilities may be eligible for Maine Medicare. Medicare Part A, Part B, Part C, and Part D plans are available. These plans help to cover healthcare costs like hospice, skilled nursing, and prescription drug expenses. To qualify, applicants must be at least age 65 or have a certain condition, like End-Stage Renal Disease.

How to Get Health Insurance in Maine

As you shop for health insurance in Maine, think about the types of healthcare coverage you typically need, as well as the coverage level that is best. Shop around and compare quotes to find the best coverage for your needs at the best price. You can get started by requesting a free, fast quote from ConsumerCoverage today.

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