Maine Individual Rate Filing for 2026

For 2026, our proposed health plan rates, which we annually submit to the Maine Bureau of Insurance, will see an increase ranging from 17.6 to 35%. It's important to remember that this increase does not account for any Advanced Premium Tax Credit (APTC) subsidies you may be eligible to receive. Your actual costs will also vary based on several factors, including your age, where you live and which type of plan you choose.

We recognize changes to your health insurance costs are important to you. That’s why we’re committed to keeping you informed and offering clear guidance every step of the way.

Why are rates increasing?

Rising healthcare costs continue to impact insurers nationwide. Factors contributing to the proposed rate increase include:

• Increases in the cost of medical services and prescription medications
• National inflation and economic pressures
• Regulatory changes that affect health plan operations

These cost drivers directly impact premiums, which are essential to maintaining access to high-quality care and services.

What happens next? 

The Maine Bureau of Insurance is currently reviewing our proposed rates. Once final rates are approved, they will take effect on January 1, 2026.

We know this is a significant number and not one we take lightly. That’s why we will continue to work toward reducing any potential increase before final rates are approved. Our Member Services team will be ready to help you navigate your options and choose a plan that fits your needs and budget.

Key dates to remember:

• • October 2025: You’ll receive your personalized renewal letter with 2026 premium and plan information.
  • Oct. 15, 2025: You can begin to review Community Health Options' 2026 plans.
  • Nov. 1, 2025: Open Enrollment begins.
  • Jan. 15, 2026: Open Enrollment ends (enroll by Dec. 15 for plans beginning Jan. 1, 2026).

Feedback or questions?

On Friday, August 15, the Bureau of Insurance will hold a public forum on the 2026 proposed health insurance rates. The forum will provide the public with information on the proposed rate increases and an opportunity to offer comments.

Those who wish to attend the forum – which will be held virtually – must preregister through this registration form on the Bureau’s website. Attendees may offer comments and ask questions about the proposed increases. Representatives from the health insurers and the Bureau will provide information and answer questions about the rate requests and the rate review process. Written comments as well as questions about registration should be directed to insurance.pfr@maine.gov.

For questions about this notice or your benefits, please call our Member Services team at (855) 624-6463.