Health Insurance in Augusta Area — Central Maine, ME — 2026 Plans & Premiums
51 ACA marketplace plans are available in Augusta Area — Central Maine, ME, from 3 insurers. The cheapest plan starts at $365.67/month before subsidies.
Insurers price these 4 counties identically, so plan availability and premiums below apply to all of them:
- Kennebec County
- Knox County
- Lincoln County
- Oxford County
51
Plans Available
$365.67
Cheapest Plan/mo
3
Insurers
CoverME.gov
Exchange
Insurers Serving Augusta Area — Central Maine
Plans Available in Augusta Area — Central Maine
Sorted by monthly premium · 30-year-old · Before subsidies
Maine Community Health Options Health Options Clear Choice Catastrophic HMO NE
Maine Community Health Options
$365.67/mo
Ded: $10,600
Anthem Blue Cross and Blue Shield Anthem Catastrophic X
Anthem Blue Cross and Blue Shield
$405.10/mo
Ded: $10,600
Anthem Blue Cross and Blue Shield Anthem Bronze X Tiered 8000
Anthem Blue Cross and Blue Shield
$478.49/mo
Ded: $8,000
Harvard Pilgrim Maine's Choice Plus HMO HSA Bronze 7200
Harvard Pilgrim
$493.18/mo
Ded: $7,200
Anthem Blue Cross and Blue Shield Anthem Clear Choice Bronze X Tiered 6300 HSA
Anthem Blue Cross and Blue Shield
$500.51/mo
Ded: $6,300
Anthem Blue Cross and Blue Shield Anthem Clear Choice Bronze X Tiered 7500
Anthem Blue Cross and Blue Shield
$508.50/mo
Ded: $7,500
Harvard Pilgrim Clear Choice Maine's Choice Plus HMO HSA Bronze 6300
Harvard Pilgrim
$530.10/mo
Ded: $6,300
Anthem Blue Cross and Blue Shield Anthem Clear Choice Bronze X PPO 6300 HSA
Anthem Blue Cross and Blue Shield
$530.82/mo
Ded: $6,300
Average Premiums in Augusta Area — Central Maine
Avg Bronze Plan
$551/mo
20 plans
Avg Silver (Subsidy Benchmark)
$680/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in Maine
Which counties does this Maine health insurance page cover?
This page covers 4 Maine counties: Kennebec County, Knox County, Lincoln County, Oxford County. Insurers offer the same plans at the same premiums across all of them, so the 51 plans and $365.67/month starting price shown here apply to every one.
What is the health insurance marketplace in Maine?
The Maine (ME) health insurance marketplace is CoverME.gov (https://www.coverme.gov/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 51 plans with live premium data. Open Enrollment runs November 1 through January 16.
How do I compare health insurance plans in Maine?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Maine start from $365.67/month before subsidies.
Which Medicaid plan is best in Maine?
There is no single "best" Medicaid plan in Maine — Medicaid is administered through MCOs such as Anthem Blue Cross Blue Shield, Community Health Options, Harvard Pilgrim Health Care. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at CoverME.gov. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Maine?
Short-term health insurance is sold outside the ACA Marketplace in Maine by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at CoverME.gov during Open Enrollment (Nov 1–January 16). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in ME?
Health insurance in ME starts as low as $365.67/month for a 30-year-old on a Bronze plan before subsidies. Most Maine residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in ME for 2026?
The cheapest ACA option in ME for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Maine plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Maine for ACA plans?
Open Enrollment for Maine residents runs from November 1 through January 16. Maine runs its own exchange (CoverME.gov), which set the January 16 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Maine?
Bronze-tier plans in Maine start as low as $365.67/month for a 30-year-old before subsidies. With APTC tax credits, many Maine residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Maine use HealthCare.gov or its own state exchange?
Maine runs its own state-based Marketplace called CoverME.gov (https://www.coverme.gov/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Maine, not the federal government.
Has Maine expanded Medicaid under the ACA?
Yes. Maine has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Maine?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Maine residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the CoverME.gov subsidy calculator for your exact estimate.
What are the metal tiers in Maine (Bronze, Silver, Gold, Platinum)?
Maine ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Maine?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Maine through CoverME.gov. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Maine ACA plans cover dental and vision?
Maine ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Maine plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through CoverME.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Maine?
Outside Open Enrollment, Maine residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through CoverME.gov.
How do I find in-network doctors and hospitals in Maine?
Each Maine ACA plan has its own provider network. Before enrolling, look up the plan on CoverME.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Augusta Area — Central Maine
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Augusta Area — Central Maine compares to the Maine state average.
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