Maine Health Insurance Plans

2026 Off-Exchange plans

211 plans across the state

Off-Exchange plans

Maine runs its own marketplace — Health Plan Radar shows Off-Exchange plans here, sold directly by the insurance companies.

HMO Bronze 8500
by Harvard Pilgrim Health Care Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$8,500 / $17,000
Out-of-pocket max · ind / family
$10,000 / $20,000
HMO Bronze 8500
by Harvard Pilgrim Health Care Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$8,500 / $17,000
Out-of-pocket max · ind / family
$10,000 / $20,000

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

What's the difference between Obamacare and Off-Exchange plans?

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →