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. Below you'll find how coverage works in Ellsworth, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Ellsworth
Licensed agents can compare plans available in Hancock County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Ellsworth, ME
| Where to enroll | CoverME.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $804/mo before subsidies |
| Marketplace insurers in Maine (2027) | 3 |
| Medicaid expansion | Yes |
| Short-term plans | Not sold |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
Free enrollment help in Maine
CoverME.gov Maine Enrollment Assisters give free, unbiased help applying for MaineCare and Marketplace plans; they can't advise on a specific plan. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Maine?
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.
Where can I buy health insurance in Ellsworth?
Through the CoverME.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for MaineCare. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Health insurance 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