Before any savings, the cheapest 2027 Bronze plan for a 40-year-old costs $597.98 to $649.06 a month, depending on the county.
After savings, the same person earning $30,000 may pay about $2.04 a month for that Bronze plan (Androscoggin County example).
The biggest price jump in 2027: above about $63,840 a year for one person, the tax credit stops completely.
Full monthly price for one 40-year-old, non-smoker, before any tax credit. One sample ZIP per county, from the CoverME.gov plan comparison tool on November 8, 2026.
| County | Cheapest Bronze | Insurer | Benchmark Silver |
|---|---|---|---|
| Androscoggin | $638.04 | Harvard Pilgrim | $821.24 |
| Aroostook | $649.06 | Anthem | $826.15 |
| Cumberland | $597.98 | Anthem | $778.89 |
| Franklin | $638.04 | Harvard Pilgrim | $821.24 |
| Hancock | $649.06 | Anthem | $826.15 |
| Kennebec | $637.40 | Harvard Pilgrim | $827.42 |
| Knox | $637.40 | Harvard Pilgrim | $827.42 |
| Lincoln | $637.40 | Harvard Pilgrim | $827.42 |
| Oxford | $637.40 | Harvard Pilgrim | $827.42 |
| Penobscot | $641.89 | Harvard Pilgrim | $823.11 |
| Piscataquis | $641.89 | Harvard Pilgrim | $823.11 |
| Sagadahoc | $597.98 | Anthem | $778.89 |
| Somerset | $641.89 | Harvard Pilgrim | $823.11 |
| Waldo | $638.04 | Harvard Pilgrim | $821.24 |
| Washington | $649.06 | Anthem | $826.15 |
| York | $597.98 | Anthem | $778.89 |
Cumberland, Sagadahoc and York counties were the cheapest; Aroostook, Hancock and Washington the highest. A ZIP in another part of a county can differ. Full tables by age are on the 2027 rates page.
Most people on CoverME.gov pay far less than the full price because of the premium tax credit, which depends on household income. Example: one 40-year-old in Androscoggin County (ZIP 04240), monthly premium after the credit.
| Yearly income | Cheapest Bronze | Silver | Cheapest Gold |
|---|---|---|---|
| $20,000 | Likely MaineCare instead; the tool showed no CoverME.gov plans at this income | ||
| $30,000 | $2.04 | $138.52 (extra savings: $1,000 deductible, $2,300 out-of-pocket max) | $189.07 |
| $45,000 | $182.06 | $365.26 | $396.63 |
| $60,000 | $330.92 | $514.12 | $545.49 |
| $70,000 | $638.04 | $821.24 | $852.61 |
For one person, the tool says you are likely to qualify for a lower premium if you earn less than $63,840. One dollar over, and you pay the full price. If your income is close to that line, how you estimate it matters; see estimating income for CoverME.
Three companies sell 2027 plans on CoverME.gov: Anthem, Community Health Options and Harvard Pilgrim. For the cheapest Bronze plan at age 40, the lowest price came from Harvard Pilgrim in 10 (Androscoggin, Franklin, Kennebec, Knox, Lincoln, Oxford, Penobscot, Piscataquis, Somerset, Waldo); Anthem in 6 (Aroostook, Cumberland, Hancock, Sagadahoc, Washington, York).
The cheapest company for one person is not always the cheapest for you. Networks differ: a plan that leaves out your doctor or your hospital costs more the first time you need care. So do drug lists. We check both before you pick.
Health care sharing ministries advertise low monthly costs, but they are not insurance: they can refuse to pay, and they do not have to cover pre-existing conditions. Read health sharing plans vs. insurance before you sign up for one.
We do this for free, in about ten minutes: get a free check. A broker's help does not raise your premium; the insurer pays the broker.
It depends on your county. For the cheapest 2027 Bronze plan at age 40, the lowest price came from Harvard Pilgrim in 10 (Androscoggin, Franklin, Kennebec, Knox, Lincoln, Oxford, Penobscot, Piscataquis, Somerset, Waldo); Anthem in 6 (Aroostook, Cumberland, Hancock, Sagadahoc, Washington, York).
You may qualify for a $0 or near-$0 premium plan after savings, or for free MaineCare, depending on your household income and size. In our example, one person earning $30,000 may pay about $2 a month for the cheapest Bronze plan.
Before savings, the cheapest 2027 Bronze plan for a 40-year-old is about $597.98 to $649.06 a month. After savings, most people pay far less; see the income table above.
Prices depend on your exact ZIP, age, household size and income. These figures are one sample per county, from the CoverME.gov tool on November 8, 2026.
No. The premium is the same whether you apply alone or with a licensed broker. The insurer pays the broker.
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