Obamacare is the nickname for the Affordable Care Act (ACA). In Maine, you buy an Obamacare plan on CoverME.gov, the state's own marketplace.
For 2027, open enrollment runs November 1 to January 15. Pick by December 15 for coverage that starts January 1.
Three insurers sell plans: Anthem, Community Health Options and Harvard Pilgrim. Savings depend on your income.
The Affordable Care Act is the 2010 federal law people call Obamacare. It created a marketplace in every state where individuals and families buy health insurance, often with a tax credit that lowers the monthly premium.
Most states use HealthCare.gov. Maine runs its own marketplace, CoverME.gov. If you see "ACA plan", "marketplace plan", "Obamacare" or "CoverME plan", it is the same kind of coverage.
Anthem, Community Health Options and Harvard Pilgrim. Mending Health leaves CoverME.gov on January 1, 2027, so its members must choose a new plan; see Mending Health ending. A broker compares all three companies for you; a company's own agent shows you one.
The premium tax credit lowers your monthly premium based on your expected household income and size. The extra savings of recent years ended after 2025, so many people pay more in 2027. For one person, the CoverME.gov tool says you are likely to qualify for a lower premium if you earn less than $63,840.
At lower incomes, Silver plans also come with cost-sharing reductions: lower deductibles and out-of-pocket maximums. Real 2027 numbers are on cheap health insurance in Maine and how CoverME.gov savings work.
MaineCare is Maine's Medicaid program, and Maine expanded it under the ACA. If your income is low enough, MaineCare may cover you for free instead of a CoverME.gov plan. We check MaineCare first. See do I qualify for MaineCare.
No. You can apply on CoverME.gov yourself. A licensed broker costs you nothing, because the insurer pays the broker and the premium is identical either way. What you get is someone who compares every plan against your doctors, prescriptions and budget, and who you can call when something goes wrong. Does a broker cost more?
Yes. Maine sells ACA plans on CoverME.gov. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027.
Yes. CoverME.gov is Maine's own ACA marketplace. Maine uses it instead of HealthCare.gov.
No. ACA plans cannot turn you down or charge you more because of a pre-existing condition.
No. The federal penalty is zero, and Maine does not have its own penalty.
Apply on CoverME.gov during open enrollment, or after a qualifying life change. Or call 207-631-3546 and a licensed broker will help you compare plans and apply, at no cost.
Want your own numbers? Get a free quote or call 207-631-3546.