Health Insurance in Maine, Explained by a Local Broker
Free help choosing a plan through CoverME.gov or straight from an insurer. Licensed in Maine, based in Lewiston, serving the whole state by phone and video. 2027 open enrollment: November 1, 2026 to January 15, 2027.
What you get with Maine United Health
Why Maine families, self-employed people and small employers use a broker instead of going it alone on CoverME.gov.
Local, Licensed, Free
A Maine-licensed health insurance producer in Lewiston. Our help costs you nothing, and your price is the same as applying on your own.
CoverME.gov Done Right
We check your savings, MaineCare eligibility and every plan on Maine's marketplace, and go through the application with you before it is sent.
Every Maine Insurer
For 2027 that means Anthem, Community Health Options and Harvard Pilgrim. We compare all three, on and off the marketplace, plus dental, vision and life.
Bronze to Platinum, Decoded
Maine's Clear Choice plans share the same cost-sharing at each metal level, so we can show what you would actually pay for a doctor visit, a prescription or an ER trip.
Here All Year
Renewals, income changes, a bill you don't understand, a plan that dropped your doctor: call us, not a hotline. We stay your contact after you enroll.
Small Employers Too
Group coverage for 1 to 50 employees, compared across Maine's small-group carriers, with a check on the small-business health care tax credit.
Why use a broker
What changed for 2026 and 2027
The extra federal subsidies that cut premiums from 2021 through 2025 expired at the end of 2025. In 2026 the share of CoverME.gov members getting help fell from about 85% to 74%, and more Mainers chose Bronze plans to keep the premium down. For 2027, Maine's Bureau of Insurance approved average increases of 14.8% before subsidies, and Mending leaves the market, so its members must pick a new plan. Subsidies still exist and still rise with premiums; the question is whether you qualify, and that depends on how your income is estimated. That is the part we get right with you.
Who we help
Apply by December 15, 2026 for coverage that starts January 1, 2027, or by January 15, 2027 for coverage that starts February 1. Missed the window? A move, a job change, a new baby, a marriage or losing other coverage opens a 60-day special enrollment period at any time of year, and MaineCare enrollment is open all year.
We help:
• Anyone in Maine without coverage, or losing job-based coverage
• Families on CoverME.gov who want to check their 2027 renewal before it auto-renews
• People told they make too much for help: the income rules changed, let us check
• Self-employed and gig workers estimating income for the year
• Small employers with 1 to 50 employees looking at group plans
• Anyone turning 26, moving to Maine, or recently married or divorced
Our help is free. Brokers are paid by the insurer you enroll with, and your premium is the same whether you use a broker or not. Call 207-631-3546 to book an appointment, or get a free quote below.
Bronze, Silver, Gold or Platinum: every level covers the same ten essential health benefits. The level only changes how the cost is split between you and the insurer.
Which plan level is right for you?
Maine's Clear Choice plans give every insurer the same deductible and copays at each level, so you compare doctors and price, not fine print.
BRONZE PACKAGE
Lowest premium, highest deductible
You pay most costs until a high deductible is met
Preventive care (check-ups, screenings, vaccines) is still free
Same doctors and hospitals as the insurer's other levels
Protection from a very large bill
Healthy people who want the lowest monthly cost and protection from a big bill. In 2026, 58% of CoverME.gov members chose Bronze.
SILVER PACKAGE
The level where extra savings apply
Middle premium and a moderate deductible
With household income under about 250% of the poverty level, cost-sharing reductions cut your deductible and copays, often below Gold
The only level where those extra savings apply
Same doctors and hospitals as the insurer's other levels
Most households that qualify for savings. We check whether yours does before you choose.
GOLD PACKAGE
Higher premium, low deductible
Low deductible and lower copays, so care costs less when you use it
Makes sense for regular prescriptions, ongoing treatment or a planned surgery
Platinum goes one step further: the highest premium and very little out of pocket
Same doctors and hospitals as the insurer's other levels
People who use care often and want predictable costs, or anyone whose subsidy makes Gold affordable.
Small employers: group health coverage for 1 to 50 employees
Group plans from Anthem, Community Health Options and Harvard Pilgrim, compared for your team.
Businesses with 1 to 50 full-time-equivalent employees can offer a group plan from Maine's small-group carriers. You choose how much of the premium to cover, and employers with fewer than 25 lower-wage employees may qualify for the federal small-business health care tax credit. We compare the carriers' current small-group rates for your team's ages and send you a one-page summary. Rates change every January; ask us for this year's figures rather than relying on an old table.
Call 207-631-3546 for this year's small-group rates by employee age.
Lewiston office, statewide service. Inside Liberty Tax, 272 Main St, Lewiston, ME 04240. Phone and video appointments for Auburn, Portland, Augusta, Bangor and every Maine town.
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Call 207-631-3546 or email christopheryork@maineunitedhealth.com to book a free appointment. Walk-ins welcome during office hours.
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Our Business hours :
Mon - Fri 10:00 am - 5:00 pm
Saturday 10:00 am - 5:00 pm
Sunday 12:30 pm - 5:30 pm