Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Not a government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Maine moved off HealthCare.gov and now runs its own marketplace, CoverME.gov. About 59,000 residents enroll through it. Because Maine expanded MaineCare by ballot, coverage for adults starts at the Medicaid level and marketplace subsidies pick up above it — which side of that line you land on decides your options, and it's worth checking carefully.
Family coverage is where plan selection really pays off, because the cheapest premium is rarely the cheapest plan once you add up the whole household's real usage — well-child visits, vaccines, the ER trip that always seems to happen, ongoing prescriptions. ACA plans include pediatric dental and vision as essential benefits, and Silver-tier cost-sharing reductions can dramatically lower a family's deductible if your income qualifies.
The trap families fall into is buying on premium alone and discovering their pediatrician or a specific children's hospital is out of network. We check networks against the doctors you actually use before you enroll, and we compare a Gold plan's higher premium against a Bronze plan's higher out-of-pocket for your household's expected year.
For Maine families with a new baby, a marriage, an adoption or a move, those are all qualifying life events that open a Special Enrollment Period — you don't have to wait for Open Enrollment to add coverage.
Maine runs its own exchange, CoverME.gov, rather than using HealthCare.gov. That matters more than it sounds: state-based exchanges set their own Open Enrollment dates, can recognize special enrollment situations the federal marketplace does not, and sometimes administer state-only programs that have no federal equivalent. Check the CoverME.gov calendar rather than assuming the federal dates apply to you. Maine runs its own exchange, CoverME.gov, through the state's Office of the Health Insurance Marketplace — not HealthCare.gov.
For a Maine household earning above roughly 138% of the federal poverty level, the marketplace subsidy — not Medicaid — is what makes family coverage affordable, and it scales with household size. Where the line still matters is mixed households: even when the parents take a subsidized marketplace plan, the children may qualify for low-cost CHIP, and applying as a household surfaces that without pulling the adults out of a marketplace plan. Maine expanded Medicaid by ballot, so MaineCare covers adults up to 138% of the poverty line and marketplace premium tax credits generally apply above that floor.
The carriers writing individual business in Maine include Anthem Blue Cross Blue Shield, Harvard Pilgrim Health Care, Community Health Options, Mending (formerly Taro Health). Networks and pricing are set county by county rather than statewide, so the same carrier can be the best value in one metro and the wrong choice an hour away. We quote Portland, Bangor and Lewiston-Auburn — and every county in between.
Don't see yours? Call a licensed agent — most answers take under two minutes.
It depends on your income and who needs coverage, but for most families residents of Maine a subsidized ACA marketplace plan is the strongest option — it's guaranteed-issue, covers pre-existing conditions, and the premium tax credit is income-based. We compare it against private plans so you see the full picture.
For lower incomes it's often no-cost MaineCare; above that line, a subsidized CoverME.gov plan is usually cheapest after the premium tax credit. We compare your options for your exact ZIP and income.
Through CoverME.gov, the exchange Maine runs itself — not HealthCare.gov. A licensed agent can enroll you in the same plans at the same price. Because Maine sets its own calendar, check the Open Enrollment dates against CoverME.gov rather than assuming the federal ones apply to you.
The carriers writing individual business in Maine include Anthem Blue Cross Blue Shield, Harvard Pilgrim Health Care, Community Health Options, Mending (formerly Taro Health). Which of them is actually competitive depends on your county rather than the state — the lineup and the networks in Portland are not the lineup in Lewiston-Auburn. We are independent and compare across all of them rather than steering you to one company.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.