Notice of Annual Maine Individual Market Rate Filing

We recently submitted our rate filing to the Maine Bureau of Insurance for regulatory review. Once our request and rates are finalized, this change will apply to your 2025 premium beginning in January.

The average proposed change for HMO plans is 14.3%, but individual plan changes can range from 8.9% to 19.5% depending on your age, where you live, and the type of plan you have.

The average proposed change for PPO plans is 16.1%, but individual plan changes can range from 12.9% to 19.5% depending on your age, where you live, and the type of plan you have.

The Affordable Care Act requires each member to be rated separately, so you’ll need to calculate the rate for each person covered under your plan. It’s easy. Just follow these steps to calculate your proposed 2025 monthly premium rate.

  1. Using the rate sheet links below, select the one that represents the county in which you live.
  2. Write down the first name and age of each person covered under your current 2024 plan.
    3. Please note: If you have more than 3 children under the age of 21 covered on your plan, you should only capture the rates for the 3 oldest children.
  3. Find your current 2024 plan and the member’s age.
  4. Write down the rate for the corresponding 2025 plan for each member.
  5. Add the premiums for each member together to get your total monthly premium for 2025.

Links to proposed rate sheet:

  • Click here if you live in Cumberland, Sagadahoc, or York County
  • Click here if you live in Kennebec, Knox, Lincoln or Oxford County
  • Click here if you live in Androscoggin, Franklin, or Waldo County
  • Click here if you live in Penobscot, Piscataquis, or Somerset County
  • Click here if you live in Aroostook, Hancock, or Washington County

If you have any questions about the proposed rates, please call us at the number on the back of your ID card.

PLEASE NOTE: The rates shown above are proposed rates. They are subject to review by the Maine Superintendent of Insurance. We will notify you of your actual 2025 premium rate prior to the next open enrollment period that starts November 1, 2024.