Before subsidies, the average benchmark silver plan for a 40-year-old in Maine costs $804 a month for 2027 (the national average is $704). Premium tax credits bring that down for many households, depending on income and family size.
If you want someone to shop the Maine market for you, a broker is the usual route. The 8 offices below sit closest to Ellsworth and list themselves as brokers or independent agencies, which typically means access to more than one insurer.
Health Insurance Brokers near Ellsworth
Licensed agents can compare plans available in Hancock County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Maine.
Carriers a Ellsworth broker can quote
For 2027, marketplace plans in Maine come from 3 insurers: Anthem, Harvard Pilgrim Health Care and Community Health Options. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
A quick checklist
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
Checking an agent's license in Maine
- The Maine Bureau of Insurance offers an online Licensee Search, which opens the state's ALMSOnline query system, for checking whether an agent or broker is licensed. Source
- The Maine Bureau of Insurance, part of the Department of Professional and Financial Regulation, licenses insurance producers and regulates health insurers. Consumers can file a complaint or dispute with the Bureau about an insurance company or agent, including on health coverage. Source
Frequently asked questions
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the CoverME.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
Brokers in nearby cities
- Brewer, ME 18 miles
- Bangor, ME 23 miles
- Old Town, ME 28 miles
- Belfast, ME 29 miles
- Rockland, ME 45 miles
- Waterville, ME 58 miles
- Augusta, ME 64 miles
- Gardiner, ME 70 miles
- Bath, ME 80 miles
- Lewiston, ME 90 miles