The words you will see on CoverME.gov and on your plan, in plain English, with links to the full guides.
What you pay each month to keep the plan, whether or not you use it. Read more
What you pay for covered care each year before the plan starts paying its share. Preventive care is free before the deductible. Read more
A flat amount you pay for a service, such as $30 for a doctor visit. Read more
Your percentage of a bill after the deductible, such as 20%. Read more
The most you pay in a year for covered in-network care. For 2027 the federal ceiling is $12,000 for one person and $24,000 for a family. Read more
A federal tax credit that lowers your monthly premium, based on household income and size. Read more
Extra savings on deductibles and copays for incomes up to 250% of the poverty level, only on Silver plans. Read more
The second-cheapest Silver plan in your area. Your subsidy is figured from its price. Read more
The yardstick for MaineCare and subsidies. For 2027 coverage, 100% is $15,960 for one person. Read more
Bronze, Silver and Gold: how you and the plan split costs. Read more
A tax-advantaged savings account for medical costs. Works with Bronze and catastrophic CoverME.gov plans since 2026. Read more
A plan that uses its own network and usually needs referrals for specialists. Read more
A plan with no referrals and some out-of-network coverage, usually at a higher premium. Read more
No referrals, but no out-of-network coverage except emergencies. Read more
The doctors, hospitals and pharmacies a plan has contracts with. Read more
The plan's list of covered prescription drugs. Read more
Approval the plan requires before some services or drugs are covered. Read more
The yearly sign-up window: November 1, 2026 to January 15, 2027. Enroll by December 15 for January 1. Read more
A 60-day window to enroll after a qualifying life event. Read more
A change such as losing coverage, moving, marriage or a baby that opens a special enrollment period. Read more
Maine's Medicaid program; free or low-cost coverage for people who qualify, open all year. Read more
Maine's official health insurance marketplace, where you apply for plans and subsidies. Read more
The statement CoverME.gov sends each year for your tax return, showing premiums and credits. Read more
A licensed agent who helps you compare and enroll at no extra cost; paid by the insurer. Read more
Want your own numbers? Get a free quote or call 207-631-3546.