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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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.
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:
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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.
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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