Full price moves with county and age. What you pay moves most with income.
Tables below use CoverME.gov's plan comparison tool, as of November 8, 2026, from CoverME.gov's plan comparison tool.
For a 40-year-old, the cheapest CoverME.gov Bronze plan in 2027 starts around $597.98 to $649.06 a month before savings, depending on county. Most people pay far less after the premium tax credit. In Lewiston at about $30,000 a year, the cheapest plan after savings was $2.04 a month — you may qualify for a similar price after savings. Figures as of November 8, 2026, from CoverME.gov's plan comparison tool.
Full monthly price for a single non-smoker age 40, sample ZIP in each county. Cheapest Bronze (with insurer), benchmark Silver (the plan tax credits use), and cheapest Gold.
| County | Cheapest Bronze | Benchmark Silver | Cheapest Gold |
|---|---|---|---|
| Androscoggin | $638.04 (Harvard Pilgrim) | $821.24 | $852.61 |
| Aroostook | $649.06 (Anthem) | $826.15 | $868.05 |
| Cumberland | $597.98 (Anthem) | $778.89 | $812.53 |
| Franklin | $638.04 (Harvard Pilgrim) | $821.24 | $852.61 |
| Hancock | $649.06 (Anthem) | $826.15 | $868.05 |
| Kennebec | $637.40 (Harvard Pilgrim) | $827.42 | $851.75 |
| Knox | $637.40 (Harvard Pilgrim) | $827.42 | $851.75 |
| Lincoln | $637.40 (Harvard Pilgrim) | $827.42 | $851.75 |
| Oxford | $637.40 (Harvard Pilgrim) | $827.42 | $851.75 |
| Penobscot | $641.89 (Harvard Pilgrim) | $823.11 | $857.75 |
| Piscataquis | $641.89 (Harvard Pilgrim) | $823.11 | $857.75 |
| Sagadahoc | $597.98 (Anthem) | $778.89 | $812.53 |
| Somerset | $641.89 (Harvard Pilgrim) | $823.11 | $857.75 |
| Waldo | $638.04 (Harvard Pilgrim) | $821.24 | $852.61 |
| Washington | $649.06 (Anthem) | $826.15 | $868.05 |
| York | $597.98 (Anthem) | $778.89 | $812.53 |
The lowest full prices at age 40 were in Cumberland, Sagadahoc, York. The highest were in Aroostook, Hancock, Washington.
Same Lewiston ZIP (04240), full price before savings. A 60-year-old's full price is a little over twice a 40-year-old's. Catastrophic plans only show for people under 30.
| Age | Cheapest Bronze | Benchmark Silver | Cheapest Gold |
|---|---|---|---|
| 27 | $523.21 | $673.44 | $699.17 |
| 40 | $638.04 | $821.24 | $852.61 |
| 50 | $891.66 | $1,147.68 | $1,191.52 |
| 60 | $1,354.96 | $1,744.02 | $1,810.62 |
Single adult, age 40, Lewiston (04240), after the estimated monthly tax credit.
| Yearly income | Tax credit | Cheapest Bronze | Silver | Cheapest Gold |
|---|---|---|---|---|
| $20,000 | MaineCare | – | – | – |
| $30,000 | $664/mo | $2.04 | $138.52 | $189.07 |
| $45,000 | $456/mo | $182.06 | $365.26 | $396.63 |
| $60,000 | $307/mo | $330.92 | $514.12 | $545.49 |
| $70,000 | none | $638.04 | $821.24 | $852.61 |
At about $20,000 a single adult is sent to MaineCare, not CoverME.gov. At about $30,000, Silver can come with extra cost-sharing savings (CSR 87: $1,000 deductible, $2,300 out-of-pocket max in this sample).
The 2027 savings line for one person is $63,840, per CoverME.gov's tool. Above that line the premium tax credit stops. At about $60,000 the cheapest Bronze after credit was $330.92; at about $70,000 there was no credit and the same metal level was $638.04 — roughly $3,700 more a year. That is the subsidy cliff.
For a 40-year-old before savings, the cheapest CoverME.gov Bronze plan ran about $597.98 to $649.06 a month depending on county, as of November 8, 2026 from CoverME.gov's plan comparison tool. Most people pay less after the premium tax credit.
In the collected samples, the cheapest Bronze full price at age 40 was $597.98 a month in Cumberland, Sagadahoc and York counties. After savings, a single 40-year-old in Lewiston at about $30,000 income saw a cheapest plan of $2.04 a month — you may qualify for a similar price.
CoverME.gov's tool states a single person is likely to qualify for a lower premium if they earn less than $63,840. Above that line the premium tax credit stops for that household size.
Maine sets full-price premiums by rating area. The same metal level can cost more in Aroostook, Hancock or Washington than in Cumberland, Sagadahoc or York. Tax credits are based on the benchmark Silver plan at your ZIP.
At about $20,000 for a single adult, CoverME.gov's tool sent the household to MaineCare rather than marketplace plans. MaineCare income rules depend on household size; Chris checks MaineCare first and does not handle MaineCare renewals.