How much does health insurance cost in Maine in 2026?
Maine runs its own health insurance marketplace, so this page uses statewide 2026 estimates plus private plan ranges; enter your ZIP in the tool for your household.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze | $403–$558 | $457–$633 | $515–$713 | $719–$997 | $1,093–$1,515 |
| Silver | $548–$722 | $621–$820 | $700–$923 | $978–$1,290 | $1,486–$1,960 |
| Gold | $551–$772 | $626–$876 | $705–$987 | $985–$1,379 | $1,497–$2,096 |
Maine runs its own marketplace, which is not in the federal plan file, so these are statewide estimates built from the 2026 benchmark premium (KFF) and the tier spreads seen in HealthCare.gov states. The state marketplace, CoverME.gov, has the exact county plans.
Ranges at a glance (age 40)
What a tax credit does (statewide estimate)
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $422/mo | $515 → $93 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $1,620/mo | $1,633 → $13 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for Maine
Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.
Private plans in Maine
Private plan pricing for Maine is not loaded online yet; an advisor quotes it by phone.
Maine counties
- Androscoggin County
- Aroostook County
- Cumberland County
- Franklin County
- Hancock County
- Kennebec County
- Knox County
- Lincoln County
- Oxford County
- Penobscot County
- Piscataquis County
- Sagadahoc County
- Somerset County
- Waldo County
- Washington County
- York County
Questions people ask
How much is health insurance in Maine per month?
For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $515 to $713 a month across Maine counties, Silver $700 to $923, and the silver benchmark that tax credits are based on is about $709. Most people who qualify for a credit pay far less; see the examples above.
Does Maine have Medicaid expansion?
Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.
Where do Maine residents enroll in a Marketplace plan?
Maine runs its own marketplace, CoverME.gov. Open Enrollment dates are set by the state each fall; outside the window you need a qualifying life event.
Are private health plans cheaper than the Marketplace in Maine?
It depends on your health and income; the tool compares both for your household.
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); KFF marketplace benchmark premiums; HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.