What Plans are Available?

The health Insurance plans offered on CoverME.gov are categorized into four metal levels: Bronze, Silver, Gold, and Platinum. Metal levels indicate how you and your insurance plan split the cost of your health care expenses.

As the metal category increases in value, so does the percentage of medical expenses that a health insurance plan covers, compared to what you are expected to pay in copays and deductibles. The metal level does not reflect the quality of care or service providers available through the plan.

• Bronze: The health plan generally pays 60% of total health care costs. You pay about 40%. Bronze plans have the lowest premiums and the highest levels of cost-sharing (deductibles, co-pays, etc.).
• Silver: The health plan generally pays 70% of total health care costs. You pay about 30%. People who qualify for premium tax credits may also qualify for more savings through cost-sharing reductions. These can only be applied to Silver plans.
• Gold: The health plan generally pays 80% of total health care costs. You pay about 20%. Gold plans have higher premiums and lower cost-sharing levels.
• Platinum: The health plan generally pays 90% of total health care costs. You pay about 10%. Platinum plans have the highest premiums and the lowest levels of cost-sharing.
• Catastrophic: Available to individuals under the age of 30 and those who qualify for a hardship exemption. This plan has a low monthly premium, but a very high deductible. This may be an affordable way to protect yourself from costs of a serious illness or injury if you do not qualify for financial assistance to purchase a plan with more comprehensive coverage. But you pay most routine medical expenses yourself.

Clear Choice Plans

For plan year 2025, most individual health insurance plans in Maine will use a “Clear Choice” (“CC”) plan design. Each Clear Choice plan uses the same standardized, cost-sharing design, meaning that Clear Choice plans have the same deductible, copays, and co-insurance for medical services, no matter which health insurance company offers the plan.  

This design allows consumers to focus on which plans best meet their wants and needs, including available provider networks and monthly premiums, knowing that the level of coverage provided is the same across insurance companies. All plans cover the same essential benefits, and quality of care will not be affected based on which plan you have.

The Clear Choice plan designs being offered on CoverME.gov for plan year 2025 are: