Everything below is from CoverME.gov and the Maine Bureau of Insurance as of October 2026. If a number here affects you, call and we will check it against your household for free.
Open enrollment on CoverME.gov runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage starting January 1; enroll between December 16 and January 15 for coverage starting February 1. Outside those dates you need a qualifying life event (job loss, marriage, a baby, a move, turning 26) and you get 60 days from it. MaineCare enrolls all year.
The enhanced federal premium tax credits that began in 2021 expired at the end of 2025. The regular credits remain. Many households now pay a larger share of the premium, and the income ceiling for help is back in place, so some people above it get no credit. Roughly three in four CoverME.gov enrollees still received a subsidy in 2026. The only way to know your number is to run it with your 2027 income estimate.
The Bureau of Insurance approved individual-market increases averaging 14.8% for 2027: about 15.8% at Anthem, 6.6% at Community Health Options and 19.5% at Harvard Pilgrim. Your own change depends on your plan, your age, where you live and your subsidy, which is why renewing without looking is risky this year.
Mending Health leaves Maine's individual market on January 1, 2027. Your plan ends December 31, 2026 and you must choose a new one during open enrollment. If you do nothing, CoverME.gov may map you to a plan, but you should pick one on purpose: doctors, prescriptions and prices differ.
Adults qualify for MaineCare at household income up to 138% of the federal poverty level, with higher limits for children and pregnant women. For 2027 Maine is adding community engagement requirements for some adults; we will tell you whether they apply to you. MaineCare enrollment is open all year and we check it first, because it is free or close to it.
In 2026 the average CoverME.gov enrollee paid about $340 a month after subsidies, with a wide range: a single adult in Portland with a modest income can pay around $112 for a Bronze plan, while a family above the income limit can pay more than $1,000. About a quarter of enrollees picked plans with cost-sharing reductions and more than half picked Bronze.
Your 2027 subsidy is based on what you expect to earn in 2027, not what you earned last year. Estimate too low and you may owe some back at tax time; too high and you overpay all year. We help you land on a defensible number and show you how to update it mid-year if business changes. We give no tax advice; your preparer handles the return.
No. Plan prices are set by the insurers and approved by the state; they are the same whether you apply alone, through CoverME.gov's help line, or with us. We are paid by the insurer when you enroll. Our help, the comparison and the year-round calls are free to you.
Employers with 1 to 50 employees can buy small-group plans from Maine's carriers. We compare them for your employees' ages, show what you would contribute and what they would pay, and check whether you qualify for the small-business health care tax credit. Too small for a group plan? We can set your people up individually with savings instead.