10 Best Health Insurance Plans in Maine (2026)

Maine’s 2026 individual market began with four Marketplace carriers — Anthem, Harvard Pilgrim, Community Health Options, and Mending Health/Taro. 

After Mending stopped accepting new Special Enrollment Period enrollments mid-year (and announced its exit from CoverME.gov for 2027), new buyers now effectively choose among three carriers. 

All three received double-digit approved rate increases (23.5% for Anthem, 21.3% for Harvard Pilgrim, 26.5% for Community Health Options). Meanwhile, the enhanced federal premium tax credits expired after 2025 — though standard Advance Premium Tax Credits remain available. 

Bronze plans accounted for nearly 60% of 2026 enrollment as households moved toward lower premiums and greater deductible exposure.

That trade-off is where the biggest mistakes happen — a low premium can be misleading if the patient’s hospital is in the wrong tier, while a seemingly expensive plan can produce lower total annual spending when actual doctors and medications are factored in. 

And for eligible consumers, Silver CSR variants can deliver cost-sharing that outperforms even Platinum (for example, Harvard Pilgrim’s 2026 Silver CSR 94 has a $250 deductible and $800 OOP maximum). Always check your CoverME.gov eligibility before comparing the standard plans below.

Here’s what this guide covers:

• 10 health insurance plans from Maine’s 3 currently available major carriers
• How geography (especially northern and Downeast Maine) is important
• What patients and providers need to know about every option
• Deductible, OOP, and cost-sharing details for each plan

Let’s get into it.

Quick skim — Maine plans compared

Below is a side-by-side view of all 10 plans. Maine premiums vary by county, age, and household, so the table focuses on benefit design rather than a single premium figure.

Plan	Type	Deductible / OOP max	Best for
CHO Clear Choice Platinum PPO NE	Platinum PPO	$500 / $3,000	Heavy healthcare users (non-CSR)
CHO Clear Choice Gold $1500 PPO National	Gold PPO	$1,500 / $5,000	Travelers / out-of-state care
CHO Clear Choice Silver $4000 PPO NE	Silver PPO	$4,000 / $8,500	Balanced PPO coverage
CHO North Star Silver $5000 HMO	Silver tiered HMO	$5,000 / $8,500	Northern/Downeast Maine
Anthem Clear Choice Gold X Tiered 2500	Gold HMO	$2,500 / $6,000	Regular in-network care
Anthem Silver X PPO Plus Tiered 4000	Silver PPO	$4,000 / $8,500	Specialist flexibility
Anthem Silver X Tiered 4000	Silver HMO	$4,000 / $8,500	HMO value
Anthem Bronze X Tiered 8000	Bronze tiered HMO	$8,000 Tier 1 / $10,600	Premium-conscious consumers
Harvard Pilgrim HMO Gold 1500	Gold HMO	$1,500 / $5,000	Frequent care + NCQA quality
Harvard Pilgrim Maine’s Choice Plus Silver 4000	Tiered Silver HMO	$4,000 Pref / $7,500 Std; $8,500 OOP	Statewide + Northern Light

1. Community Health Options — Clear Choice Platinum PPO NE

Among the standard non-CSR plans compared here, CHO Platinum PPO NE offers the lowest financial exposure — a $500 deductible and $3,000 OOP maximum. 

CHO reports 48,000+ clinicians, hospitals, pharmacies, and providers in its network, including essentially all Maine hospitals (except Togus VA) and most New Hampshire hospitals.

For eligible consumers, Silver CSR variants (such as Harvard Pilgrim’s CSR 94 with a $250/$800 design) can produce even lower cost-sharing than Platinum. Check your CoverME.gov eligibility before defaulting to Platinum.

If you’re a patient

$20 PCP, $20 mental health, $25 urgent care, and $40 specialist visits. 

$0 Amwell urgent-care telehealth on all 2026 plans, plus Firefly virtual primary care. A chronic illness support program covers diabetes, asthma, coronary artery disease, COPD, and hypertension. 

For someone expecting surgery, cancer treatment, pregnancy, or heavy specialist use who does not qualify for Silver CSR, the $3,000 OOP ceiling caps exposure well below the $8,500–$10,600 common in Silver and Bronze plans.

If you’re a provider

As a PPO, CHO Platinum offers greater flexibility for out-of-network treatment than tiered HMOs, though out-of-network care costs more. The broad regional network simplifies referral coordination for practices that send patients to specialty care outside their local hospital.

Key features

CHO Platinum provides the strongest standard cost-sharing on this list.

• Chronic Illness Support Program included
• $20 PCP / $40 specialist / $25 urgent care
• $0 Amwell urgent-care telehealth (all 2026 plans)
• $500 deductible, $3,000 OOP max, 80/20 coinsurance

Pricing

Premium varies by county and age — substantially higher than Bronze, Silver, or Gold alternatives. CHO describes Platinum as its highest-premium tier.

Pros and cons

Platinum’s value depends on CSR eligibility and expected utilization.

Pros	Cons
$3,000 OOP — lowest standard ceiling on this list	Highest monthly premium tier
PPO flexibility with broad network	Silver CSR can outperform Platinum for eligible consumers
Chronic illness program + $0 telehealth	CHO rate increase was 26.5% for 2026

CHO Platinum reviews

No independent rating for this specific Platinum plan. 

CHO displays NCQA Accredited Health Plan status and reports ~98% caller satisfaction, though the satisfaction figure is insurer-reported rather than an independent survey.

2. Community Health Options — Clear Choice Gold $1500 PPO National

Maine’s strongest option for consumers who need both rich cost-sharing and broader geographic coverage. 

The $1,500 deductible and $5,000 OOP maximum are paired with a National PPO structure — relevant for seasonal residents, college families, frequent travelers, or patients receiving complex care outside Maine.

If you’re a patient

$5 preferred generics, $25 Tier 2, and $50 Tier 3 drug costs keep pharmacy spending predictable. The National PPO gives out-of-state network access that most Maine HMO products cannot match. 

Out-of-network care still generates higher cost-sharing and balance-billing risk, but the PPO structure provides a meaningful safety net for Mainers who regularly cross state lines.

If you’re a provider

CHO reports that the regional network includes all Maine hospitals (except Togus VA), most NH hospitals, and New England Centers of Excellence. 

The National version adds nationwide wrap-network access — useful for practices coordinating referrals to tertiary centers in Boston or other out-of-state facilities.

Key features

Gold National pairs rich cost-sharing with geographic reach.

• $5/$25/$50 first three Rx tiers
• National PPO with nationwide network access
• $1,500 deductible, $5,000 OOP max, 30% coinsurance
• All Maine hospitals (except Togus VA) + most NH hospitals

Pricing

Varies by county and age. Expect a premium above regional HMO alternatives due to PPO flexibility and national access.

Pros and cons

Geographic flexibility is the defining advantage.

Pros	Cons
National PPO — real out-of-state access	Higher premium than narrow-network HMOs
$1,500 deductible with $5,000 OOP cap	Out-of-network care still costs more
Broad regional + national wrap network	CHO 26.5% rate increase applies

CHO Gold National reviews

Carrier-level only — NCQA accreditation and insurer-reported member-service satisfaction. No independent Gold-specific rating exists.

3. Community Health Options — Clear Choice Silver $4000 PPO NE

A practical middle-ground option. PPO flexibility without Platinum-level cost-sharing, at a $4,000 deductible and $8,500 OOP maximum with 70/30 coinsurance.

If you’re a patient

$5 common generics, $25 designated-location labs, lower-cost imaging, and $0 Amwell urgent telehealth add everyday value. 

The $4,000 deductible and $8,500 maximum mean a major hospitalization still produces considerable spending. 

The PPO design is worth the premium difference for patients whose specialists may be outside a narrow HMO network — particularly in a rural state where the closest appropriate specialist could be in Portland, Bangor, or across the border.

If you’re a provider

The New England PPO structure provides broader access than tiered HMOs. 

CHO advises members to check their exact plan in the provider directory because participation can differ by network.

Key features

Silver PPO balances access and cost at a mid-tier price.

• $0 Amwell urgent telehealth
• PPO — broader access than HMO products
• $5 generic Rx, $25 designated-location labs
• $4,000 deductible, $8,500 OOP max, 70/30 coinsurance

Pricing

County- and age-dependent. Positioned between Gold and Bronze pricing.

Pros and cons

PPO flexibility at Silver pricing.

Pros	Cons
PPO flexibility without Gold/Platinum premiums	$4,000 deductible — significant
$5 generics and $0 telehealth	$8,500 OOP ceiling
Broad NE network	26.5% rate increase applied

CHO Silver $4000 reviews

Same carrier-level NCQA accreditation and insurer-reported satisfaction. No independent Silver-specific rating.

4. Community Health Options — North Star Silver $5000 HMO Tiered NE

One of the most Maine-specific products in this entire analysis. 

New for 2026, North Star is available only to individuals and families in Aroostook, Hancock, Penobscot, Piscataquis, Somerset, and Washington counties. 

It provides additional savings on select Northern Light Health inpatient and outpatient services.

If you’re a patient

Northern Maine and Downeast residents face long travel distances for specialty care. CHO designed North Star to address that by giving enhanced pricing on select Northern Light services. 

For someone in Presque Isle, Bangor, or Ellsworth whose care already runs through Northern Light, this plan may be substantially more relevant than a generic statewide Silver plan. 

Not every Northern Light service is automatically cheaper — verify which services receive the enhanced savings.

If you’re a provider

Northern Light operates nine hospitals, ~125 facilities, and ~1,000 providers across the state. Practices within the Northern Light system can benefit from the cost advantage on select services. 

Providers outside the preferred tier should expect less favorable member cost-sharing even though they may remain “in network” — the tiered model creates financial incentives that affect patient routing.

Key features

North Star is purpose-built for northern and Downeast Maine.

• Tiered HMO with preferred Northern Light tier
• $5,000 deductible, $8,500 OOP max, 30% coinsurance
• Enhanced savings on select Northern Light Health services
• Available in 6 northern/Downeast counties only

Pricing

County- and age-dependent. Designed to be more affordable than statewide options for eligible northern Maine residents.

Pros and cons

Geography determines whether North Star is relevant.

Pros	Cons
Built for northern/Downeast Maine residents	Only available in 6 counties
Additional savings on select Northern Light services	$5,000 deductible is still substantial
Addresses long-distance specialty travel	New 2026 product — no satisfaction data yet

CHO North Star reviews

No independent rating exists — North Star is brand new for 2026. CHO’s NCQA accreditation and insurer-reported service satisfaction are the only relevant signals.

5. Anthem — Clear Choice Gold X Tiered 2500

Anthem’s 2026 CoverME Gold HMO with a $2,500 deductible, $6,000 OOP maximum, and 30% coinsurance. The tiered network structure rewards patients who use preferred-tier providers with lower cost-sharing.

If you’re a patient

Gold-level cost-sharing means lower deductible and OOP exposure than Anthem’s Silver and Bronze products. The tiered structure can benefit patients who consistently use preferred-tier providers. 

Anthem’s 23.5% rate increase for 2026 should be weighed against the benefit design — what you paid last year may not reflect this year’s value.

If you’re a provider

As an HMO, provider-network status and tier are both important. Patients should identify both whether a physician participates with Anthem and which tier applies. 

Routine out-of-network care generally lacks the protection of a PPO. Prior authorization may apply to advanced and high-cost treatment.

Key features

Gold X provides moderate cost-sharing within Anthem’s tiered network.

• Available on CoverME.gov
• HMO with prior authorization for select services
• $2,500 deductible, $6,000 OOP max, 30% coinsurance
• Tiered network — preferred providers = lower member costs

Pricing

County- and age-dependent. Anthem’s approved average individual rate increase was 23.5% for 2026.

Pros and cons

Gold makes sense for regular in-network users.

Pros	Cons
$6,000 OOP — lower than Silver/Bronze options	Tiered network requires careful provider checking
Gold-level deductible protects heavier users	23.5% rate increase
Anthem Maine infrastructure	J.D. Power 523 — below 540 NE average (2025, carrier-level)

Anthem Gold X reviews

J.D. Power’s 2025 Northeast carrier-level score for Anthem Maine was 523 versus the 540 regional average. The 2026 study includes Anthem Maine but named Anthem Connecticut the regional winner. 

The J.D. Power study measures commercial plan members broadly, not CoverME.gov plan-specific satisfaction.

6. Anthem — Clear Choice Silver X PPO Plus Tiered 4000

Anthem’s PPO Silver with a $4,000 deductible, $8,500 OOP maximum, and 30% coinsurance. The PPO structure offers specialist and provider flexibility that Anthem’s HMO Silver does not.

If you’re a patient

For patients managing multiple specialist relationships or wanting protection when using providers beyond a narrow HMO network, the PPO design provides a real safety margin. 

“PPO” does not mean all providers cost the same — non-preferred network use and out-of-network care still generate higher cost-sharing and possible balance billing.

If you’re a provider

Specialists see fewer PCP gatekeeping requirements under the PPO structure. 

Practices still need to check PPO Plus Tiered participation specifically rather than assuming that accepting some Anthem products means participating at the preferred cost-sharing level. 

Prior authorization applies for procedures, imaging, specialty drugs, and hospital services.

Key features

PPO Plus adds specialist flexibility to the standard Silver structure.

• PPO — more specialist flexibility than HMO
• Tiered network with preferred and non-preferred levels
• $4,000 deductible, $8,500 OOP max, 30% coinsurance
• Prior authorization for hospital, imaging, and specialty drugs

Pricing

County- and age-dependent. Expect higher premiums than the HMO counterpart for the same deductible structure.

Pros and cons

PPO flexibility comes at a premium above the HMO version.

Pros	Cons
PPO flexibility for multi-specialist patients	Higher premium than HMO version
Better out-of-network protection than HMO	Tiered network creates variable cost-sharing
Useful for southern Maine cross-border care	Carrier-level J.D. Power below Northeast average

Anthem PPO Silver reviews

Anthem Maine’s 2025 J.D. Power Northeast score was 523 (below 540 average). The score reflects the overall Anthem Maine carrier experience, not this specific PPO product.

7. Anthem — Clear Choice Silver X Tiered 4000

The HMO counterpart — same $4,000 deductible, $8,500 OOP, and 30% coinsurance, but with tighter network control and potentially lower premiums.

If you’re a patient

Patients whose preferred physicians sit comfortably inside Anthem’s tiered network may have no practical reason to pay extra for PPO flexibility. 

The plan becomes considerably less appealing when a needed specialist is outside the network, since HMO rules make out-of-network routine care far more costly.

If you’re a provider

The PCP and participating network become more central under this HMO. 

Providers need to pay particular attention to referral rules, tier-level designation, and prior-authorization requirements. 

Care coordination can benefit patients with several ongoing conditions if the entire care team participates.

Key features

The HMO version trades flexibility for potentially lower premiums.

• HMO — tighter network than PPO version
• Potential premium savings versus PPO counterpart
• Tiered network with preferred/non-preferred providers
• $4,000 deductible, $8,500 OOP max, 30% coinsurance

Pricing

County- and age-dependent. Typically lower than the PPO Plus Tiered version for the same deductible.

Pros and cons

HMO Silver works when your care team fits the network.

Pros	Cons
Potential premium savings vs. PPO	Network-dependent — out-of-network care very limited
Good for patients with Anthem-participating care teams	Referral and tier rules add complexity
Same Silver cost-sharing structure	Below-average carrier-level J.D. Power satisfaction

Anthem Silver HMO reviews

Same carrier-level evidence — 523 in J.D. Power’s 2025 Northeast study. The score reflects overall Anthem Maine member experience, not this specific Silver HMO product.

8. Anthem — Bronze X Tiered 8000

Maine’s most commonly selected 2026 Marketplace plan. The Tier 1 deductible is $8,000 and the Tier 2 deductible is $9,000 (an important difference in a tiered product), with a $10,600 OOP maximum. 

Despite the high deductible, Maine DHHS reports it covers several services before the deductible through copays — including primary care, behavioral health, specialist visits, urgent care, and Tier 1 generics at appropriate in-network providers.

If you’re a patient

The premium is the draw — a 52-year-old in Androscoggin County earning $64,000 pays ~$829/month without assistance; at $60,000, financial assistance reduces it to ~$206. 

The $8,000/$9,000 deductible (depending on tier) is the risk. Bronze accounted for nearly 60% of 2026 CoverME enrollment, largely because enhanced APTC expired and households needed lower monthly costs. 

Standard APTC remains available for qualifying consumers.

If you’re a provider

Tiered network with no routine out-of-network coverage. 

Providers should verify whether they occupy the Tier 1 (preferred) or Tier 2 (non-preferred) tier, since the member deductible differs. 

Patients on high-deductible Bronze plans may be more cost-sensitive and delay care, which can affect scheduling and collections.

Key features

Bronze X is the most popular 2026 CoverME plan despite its high deductible.

• Tiered HMO network
• Maine’s most selected 2026 Marketplace plan
• $8,000 Tier 1 / $9,000 Tier 2 deductible; $10,600 OOP max
• Pre-deductible copays for PCP, behavioral health, specialists, urgent care, and Tier 1 generics

Pricing

Varies by county and age. Androscoggin County example (age 52) — $829/month unsubsidized, ~$206 subsidized at $60,000 income.

Pros and cons

Popularity is driven by affordability, not satisfaction.

Pros	Cons
Lower premium than Silver/Gold alternatives	$8,000–$9,000 deductible (varies by tier)
Pre-deductible copays for common services	$10,600 OOP ceiling
Most popular 2026 CoverME plan	Carrier-level satisfaction below Northeast average

Anthem Bronze reviews

Anthem Maine’s J.D. Power carrier-level evidence remains below the Northeast average. 

The plan’s popularity appears driven by affordability and benefit design rather than independently demonstrated satisfaction.

9. Harvard Pilgrim — Clear Choice HMO Gold 1500

One of Maine’s stronger high-utilization options with a $1,500 deductible, $5,000 OOP maximum, and 30% coinsurance. PCP visits are $25, specialists $50, urgent care $40. Prescription tiers start at $5/$25/$50.

If you’re a patient

For someone expecting frequent office visits, diagnostic work, ongoing prescriptions, or planned treatment, Gold 1500 may be more economical over a full year than a lower-premium plan with a $5,000–$8,000 deductible.

Harvard Pilgrim’s 21.3% rate increase was the smallest among Maine’s three major carriers — still substantial, but a relative advantage.

If you’re a provider

PCP plays an important coordinating role. Harvard Pilgrim HMO members generally require referrals for many specialist services. 

Practices should verify referral and authorization requirements before treatment. HMO network verification is essential before elective care.

Key features

Gold 1500 pairs strong cost-sharing with Harvard Pilgrim’s quality evidence.

• $5/$25/$50 Rx tiers
• $25 PCP / $50 specialist / $40 urgent care
• 30% coinsurance; HMO with referral requirements
• $1,500 / $3,000 deductible; $5,000 / $10,000 OOP max

Pricing

County- and age-dependent. Harvard Pilgrim’s 21.3% average 2026 increase was the lowest among Maine’s three major individual carriers.

Pros and cons

Quality evidence is strong; consumer satisfaction is mixed.

Pros	Cons
NCQA 4.5/5 2025 rating (clinical quality + member experience + accreditation)	J.D. Power 459 in 2025 NE — well below 540 average
Lowest rate increase among Maine’s 3 major carriers	HMO referral requirements
$1,500 deductible + $5,000 OOP cap	NCQA quality and J.D. Power satisfaction diverge

Harvard Pilgrim Gold 1500 reviews

The quality-satisfaction split is pronounced. NCQA awards 4.5/5 for Harvard Pilgrim’s commercial HMO/POS operation, combining clinical quality, member experience, and accreditation measures — one of the highest ratings nationally. 

J.D. Power’s 2025 Northeast score was 459, well below the 540 average. The J.D. Power study measures commercial plan members broadly, not CoverME.gov enrollees specifically.

10. Harvard Pilgrim — Maine’s Choice Plus HMO Silver 4000

Harvard Pilgrim’s most geographically important 2026 Maine plan. 

Two in-network tiers — Preferred ($4,000 individual deductible, $8,500 individual OOP max, $40 PCP, $60 specialist, 30% coinsurance) and Standard ($7,500 individual deductible, $8,500 OOP max, $80 PCP, $120 specialist, 50% coinsurance). 

The 2026 expansion placed Northern Light Health hospitals into the Preferred tier statewide.

If you’re a patient

The Northern Light expansion makes this plan especially interesting for residents of Aroostook, Penobscot, Piscataquis, Hancock, and Somerset counties.

Preferred-tier access at Northern Light means a $4,000 deductible and $40/$60 copays versus a $7,500 deductible and $80/$120 copays at Standard-tier providers. 

That’s thousands of dollars in potential additional exposure from choosing the wrong tier. Check every provider’s tier designation before enrolling.

If you’re a provider

Northern Light practices gain a meaningful patient-cost advantage as Preferred providers. Standard-network practices may produce higher patient bills even though they remain “in network.” 

Harvard Pilgrim describes the expansion as bringing Maine’s Choice coverage statewide — a significant development for practices in rural and northern Maine.

Key features

Maine’s Choice Plus creates a two-tier system with substantial cost differences.

• Preferred tier — $4,000 deductible, $8,500 OOP, $40 PCP / $60 specialist, 30% coinsurance
• Standard tier — $7,500 deductible, $8,500 OOP, $80 PCP / $120 specialist, 50% coinsurance
• Northern Light Health hospitals now Preferred tier statewide (new for 2026)
• Individual OOP max is $8,500 under both tiers

Pricing

County- and age-dependent. Tier selection affects total annual cost more than premium alone.

Pros and cons

Tier verification is mandatory — the financial gap between tiers is severe.

Pros	Cons
Northern Light added to Preferred tier statewide	Preferred vs. Standard cost gap is severe ($3,500 deductible difference)
NCQA 4.5/5 quality rating (carrier-level)	J.D. Power 459 — well below NE average
Expanded statewide access for 2026	Must verify tier designation for every provider

Harvard Pilgrim Maine’s Choice reviews

Same mixed but substantial evidence — NCQA 4.5/5 combining clinical quality, member experience, and accreditation, alongside below-average J.D. Power satisfaction. 

The Northern Light expansion is too new for plan-level satisfaction data. J.D. Power’s study covers commercial plan members broadly, not CoverME.gov enrollees specifically.

Why Maine’s concentrated, high-cost market demands disciplined revenue cycle management

Three active carriers, double-digit rate increases, expired enhanced tax credits, and a shift toward Bronze coverage — Maine’s market is under real financial pressure. 

For medical practices, that translates to more patients with higher deductibles, more complex tiered networks, and more claim-level billing variation. 

A patient on Anthem Bronze X Tiered 8000 and a patient on CHO Platinum PPO generate completely different billing workflows under different rules.

For practices evaluating medical billing outsourcing, MedHeave handles this complexity as an embedded revenue department — not a vendor that reacts after denials pile up.

For Maine practices collecting $500K–$3M+ monthly, MedHeave’s Maine medical billing services use payer-specific workflows, eligibility verification, and pre-claim prevention to stop revenue leaks where they start. 

Claim scrubbing adds another front-end control for catching payer-specific errors before submission.

We offer:

• 97%+ net collection rate; under 40 AR days
• 90%+ first-pass claim rate; 80%+ denial overturn
• 30-day exit, 4–7% of collections, performance-based
• Two dedicated account managers per client (Mon–Fri, 9–5 EST)
• Claims submitted within 24–48 hours; denials addressed within 72 hours

Consistently producing clean claims is a core part of improving first-pass submission performance.

MedHeave targets practices collecting $100K/month or more (sweet spot $1M–$3M). Practices comparing medical billing companies primarily on percentage alone against 2% vendors won’t find the right fit. 

How to choose the best health insurance plan in Maine

Geography and subsidy eligibility determine the answer more than carrier name.

Check your CoverME.gov eligibility first

Standard Advance Premium Tax Credits remain available even though enhanced credits expired. 

For Silver plans, check whether cost-sharing reductions apply — CSR-enhanced Silver (such as Harvard Pilgrim’s CSR 94 at $250 deductible / $800 OOP) can outperform even Platinum at a lower net premium. Run your eligibility before comparing standard plans.

Match your location to the right plan

For northern and Downeast Maine, compare CHO North Star (enhanced savings on select Northern Light services in 6 counties) against Harvard Pilgrim Maine’s Choice Plus (Northern Light added to Preferred tier statewide). 

Both target the same geography but with different network structures and cost-sharing models.

Check every provider’s network and tier

Being “in-network” at the wrong tier can cost thousands. Anthem’s Bronze has separate Tier 1 ($8,000) and Tier 2 ($9,000) deductibles. 

Harvard Pilgrim’s Maine’s Choice has a $3,500 deductible gap between Preferred and Standard tiers. Always verify the exact provider tier and plan network before scheduling care.

Model total annual cost, not just monthly premium

For heavy healthcare users who don’t qualify for Silver CSR, CHO Platinum PPO NE’s $500 deductible and $3,000 OOP provide the lowest standard cost exposure. 

For travelers or out-of-state care, CHO Gold $1500 PPO National adds nationwide access. For budget-focused consumers, Anthem Bronze X is the most popular plan — but its $8,000+ deductible requires financial readiness.

Verify formulary and current carrier availability

Check all recurring medications against the 2026 formulary. And confirm current availability — Mending Health is no longer accepting new enrollments and will exit CoverME.gov for 2027. Existing Mending members remain covered through December 2026.

Frequently asked questions

Common questions about Maine health insurance for 2026.