Maine
Cheapest ACA plans in Cumberland County, Maine for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Cumberland County, Maine has 4 on-exchange carriers offering 51 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Anthem Health Plans of Maine, Inc. Anthem Bronze X Tiered 8000 at $499 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Cumberland County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Cumberland County |
|---|---|---|
| Catastrophic | $389 | 2 |
| Expanded Bronze | $499 | 17 |
| Bronze | $573 | 3 |
| Silver | $660 | 16 |
| Gold | $720 | 12 |
| Platinum | $1,012 | 1 |
The actual cheapest Bronze plan in Cumberland County
Anthem Health Plans of Maine, Inc. Anthem Bronze X Tiered 8000
$499/moFor a family of four (two 40-year-olds and two kids under 14): Anthem Health Plans of Maine, Inc. Anthem Bronze X Tiered 8000 at $1,595/month before subsidies.
Carriers selling 2026 plans in Cumberland County
4 carriers sell 2026 plans on CoverME.gov; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 103 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Maine Community Health Options | 19 |
| Harvard Pilgrim | 14 |
| Anthem Health Plans of Maine, Inc. | 11 |
| Taro Health | 7 |
Also selling off-exchange only
These carriers sell plans directly (not through CoverME.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| HPHC Insurance Co. | 5 |
Frequently asked questions
What is the cheapest ACA plan in Cumberland County, Maine for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Anthem Health Plans of Maine, Inc. Anthem Bronze X Tiered 8000 at $499 per month before subsidies. Plans sell through CoverME.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Is Maine on Healthcare.gov?
No. Maine launched its own state-based exchange, CoverME.gov, for PY2022. Previously Maine used Healthcare.gov. Healthcare.gov no longer serves Maine; enrollment runs through coverme.gov.
Has Maine expanded Medicaid?
Yes, effective January 2019. Maine voters approved Question 1 in November 2017 directing the state to expand Medicaid (MaineCare), but then-Gov. LePage refused to implement it. Gov. Janet Mills implemented expansion shortly after taking office in January 2019. Adults 19-64 with income up to 138% FPL qualify, so there is no coverage gap in Maine.
What is MGARA and how does it affect premiums?
The Maine Guaranteed Access Reinsurance Association (MGARA) is Maine’s §1332 reinsurance waiver program. It reimburses carriers for high-cost individual-market claims, which lowers gross premiums on CoverME.gov for all enrollees (subsidized and unsubsidized alike). MGARA was originally approved in 2012, went dormant when ACA took effect, and was reactivated for PY2022.
More Maine pricing
Sources
- CoverME.gov for SBE enrollment, OEP dates, and APTC application.
- Maine Bureau of Insurance for rate review, carrier filings, and consumer guidance.
- Maine Department of Health and Human Services: MaineCare for Medicaid eligibility and expansion enrollment.
- KFF: Maine State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.