Employers Health Insurance Plans

Business Benefit Plans

We offer a variety of affordable health insurance options for Maine people and businesses so you can choose the benefit plan that is the right fit for your organization and your employees.

Summary

Small Group Plans

With the merger of the Individual and Small Group markets in 2023, small businesses can choose from an array of Clear Choice plans and purchase any plan in the merged market, including off-exchange only plans designed specifically for Small Groups.

As Maine’s exclusive carrier of the Small Business Health Options Program (SHOP), we also provide reduced cost share plans for eligible small group employers. Click here for more information.

2023 Small Group Plan Designs (PDF)

2022 Small Group Plan Designs (PDF)

Large Group Plans

2023 Large Group Plan Designs (PDF)

2022 Large Group Plan Designs (PDF)

2024

2024 Small Group Plans

Health Options Clear Choice Bronze $9450 HMO NE (PDF)

Health Options Clear Choice Bronze $9450 PPO NE (PDF)

Health Options Bronze $8000 Healthy Maine HMO NE (PDF)

Health Options Bronze $8000 Healthy Maine PPO NE (PDF)

Health Options Clear Choice Bronze $7500 HMO Tiered NE (PDF)

Health Options Clear Choice Bronze $7500 HMO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE Dental (PDF)

Health Options Clear Choice Bronze $7200 HSA Plus PPO NE (PDF)

Health Options Clear Choice Bronze $5900 HSA PPO NE (PDF)

Health Options Clear Choice Silver $4200 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $4200 HMO NE (PDF)

Health Options Clear Choice Silver $4200 PPO NE (PDF)

Health Options Clear Choice Silver $3500 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $3500 HMO NE (PDF)

Health Options Clear Choice Silver $3500 HMO NE Dental (PDF)

Health Options Clear Choice Silver $3500 PPO National (PDF)

Health Options Clear Choice Silver $3000 PPO NE (PDF)

Health Options Clear Choice Silver $3000 PPO NE Dental (PDF)

Health Options Clear Choice Gold $2500 PPO NE (PDF)

Health Options Clear Choice Gold $2500 PPO NE Dental (PDF)

Health Options Clear Choice Gold $2500 PPO National Dental (PDF)

Health Options Clear Choice Gold $1500 PPO NE (PDF)

Health Options Clear Choice Gold $1500 PPO National (PDF)

Health Options Clear Choice Platinum PPO NE (PDF)

Health Options Clear Choice Bronze $9450 HMO NE (PDF)

Health Options Clear Choice Bronze $9450 PPO NE (PDF)

Health Options Clear Choice Bronze $9450 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Bronze $9450 PPO National Dental Off MP (PDF)

Health Options Bronze $8000 Healthy Maine HMO NE Off MP (PDF)

Health Options Bronze $8000 Healthy Maine HMO NE (PDF)

Health Options Bronze $8000 Healthy Maine PPO NE (PDF)

Health Options Bronze $8000 Healthy Maine PPO NE Off MP (PDF)

Health Options Clear Choice Bronze $7500 HMO Tiered NE (PDF)

Health Options Clear Choice Bronze $7500 HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Bronze $7500 HMO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE Dental (PDF)

Health Options Clear Choice Bronze $7500 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Bronze $7500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Bronze $7200 HSA Plus PPO NE (PDF)

Health Options Clear Choice Bronze $7200 HSA Plus PPO National Dental Off MP (PDF)

Health Options Clear Choice Bronze $6300 HSA Plus PPO National Dental Off MP (PDF)

Health Options Clear Choice Bronze $5900 HSA PPO NE (PDF)

Health Options Clear Choice Silver $5500 HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Silver $5500 HMO NE Dental Off MP (PDF)

Health Options Clear Choice Silver $5500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $4500 HSA HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Silver $4500 HSA HMO NE Dental Off MP (PDF)

Health Options Clear Choice Silver $4200 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $4200 HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Silver $4200 HMO NE (PDF)

Health Options Clear Choice Silver $4200 PPO NE (PDF)

Health Options Clear Choice Silver $4200 PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $4000 HSA HMO NE Dental Off MP (PDF)

Health Options $4000 HMO National Off MP (PDF)

Health Options Clear Choice Silver $4000 HSA PPO NE Dental Off MP (PDF)

Health Options Clear Choice Silver $4000 HSA Plus PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $3500 HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 HMO NE (PDF)

Health Options Clear Choice Silver $3500 HMO NE Dental (PDF)

Health Options Clear Choice Silver $3500 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 PPO National (PDF)

Health Options Clear Choice Silver $3000 PPO NE (PDF)

Health Options Clear Choice Silver $3000 PPO NE Dental (PDF)

Health Options Clear Choice Silver $3000 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Gold $2500 PPO NE (PDF)

Health Options Clear Choice Gold $2500 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Gold $2500 PPO NE Dental (PDF)

Health Options Clear Choice Gold $2500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Gold $2500 PPO National Dental (PDF)

Health Options Clear Choice Gold $1500 PPO NE (PDF)

Health Options Clear Choice Gold $1500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Gold $1500 PPO National (PDF)

Health Options Clear Choice Platinum PPO NE (PDF)

2024 Large Group Plans

Cornerstone PPO $1000 20% $2000 RX1 (PDF)

Cornerstone PPO $1500 20% $3000 RX1 (PDF)

Cornerstone PPO $1500 20% $3000 RX2 (PDF)

Cornerstone PPO $2000 20% $4000 RX1 (PDF)

Cornerstone PPO $2500 20% $5000 RX1 (PDF)

Cornerstone PPO $2500 30% $5000 RX1 (PDF)

Cornerstone PPO $3000 20% $5000 RX1 (PDF)

Cornerstone PPO $3000 20% $5000 RX2 (PDF)

Cornerstone PPO $3500 20% $7000 RX1 (PDF)

Cornerstone PPO $3500 20% $7000 RX2 (PDF)

Cornerstone PPO $3500 20% $7000 RX1 NoD (PDF)

Cornerstone PPO $4000 20% $5500 RX1 (PDF)

Cornerstone PPO $5000 0% $6500 RX1 (PDF)

Cornerstone PPO $5000 20% $6000 RX1 (PDF)

Cornerstone PPO $6500 20% $7000 RX1 (PDF)

Cornerstone PPO $7500 30% $8500 RX1 (PDF)

Cornerstone PPO $7900 10% $8550 RX1 (PDF)

Cornerstone PPO $8500 30% $9000 RX1 (PDF)

Cornerstone PPO $9000 0% $9000 RX1 (PDF)

Cornerstone PPO NE $2500 30% $5000 RX1 (PDF)

Cornerstone PPO NE $3500 30% $7000 RX1 NoD (PDF)

Cornerstone PPO NE $9000 0% $9000 RX1 (PDF)

Cornerstone PPO HSA Plus $3200 20% $6500 RX1 (PDF)

Cornerstone PPO HSA Plus $3200 20% $6500 RX2 (PDF)

Cornerstone PPO HSA Plus $4000 20% $5500 RX1 (PDF)

Cornerstone PPO HSA Plus $5000 20% $6000 RX1 (PDF)

Cornerstone PPO HSA Plus $6000 0% $6000 (PDF)

Cornerstone PPO HSA Plus $6000 50% $6750 RX1 (PDF)

Cornerstone PPO HSA Plus $6000 50% $6750 RX2 (PDF)

Cornerstone PPO HSA Plus $6200 30% $7000 RX1 (PDF)

Cornerstone PPO HSA Plus $6500 20% $7000 RX1 (PDF)

Cornerstone PPO HSA Plus $6500 20% $7000 RX2 (PDF)

Cornerstone PPO HSA Plus $7500 0% $7500 (PDF)

Cornerstone PPO HSA Plus $8050 0% $8050 (PDF)

Cornerstone HMO Tiered NE $4000 20% $7500 RX1 (PDF)

Cornerstone HMO Tiered NE $6500 20% $7000 RX1 (PDF)

2023

2023 Small Group Plans

Health Options Clear Choice Bronze $9100 HMO NE (PDF)

Health Options Clear Choice Bronze $9100 PPO NE (PDF)

Health Options Clear Choice Bronze $8000 Healthy Maine HMO NE (PDF)

Health Options Clear Choice Bronze $8000 Healthy Maine PPO NE (PDF)

Health Options Clear Choice Bronze $7500 HMO Tiered NE (PDF)

Health Options Clear Choice Bronze $7500 HMO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE Dental (PDF)

Health Options Clear Choice Bronze $7000 HSA Plus PPO NE (PDF)

Health Options Clear Choice Bronze $5900 HSA PPO NE (PDF)

Health Options Clear Choice Silver $4200 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $4200 HMO NE (PDF)

Health Options Clear Choice Silver $4200 PPO NE (PDF)

Health Options Clear Choice Silver $3500 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $3500 HMO NE (PDF)

Health Options Clear Choice Silver $3500 HMO NE Dental (PDF)

Health Options Clear Choice Silver $3500 PPO National (PDF)

Health Options Clear Choice Silver $3000 PPO NE (PDF)

Health Options Clear Choice Silver $3000 PPO NE Dental (PDF)

Health Options Clear Choice Gold $2500 PPO NE (PDF)

Health Options Clear Choice Gold $2500 PPO NE Dental (PDF)

Health Options Clear Choice Gold $2500 PPO National Dental (PDF)

Health Options Clear Choice Gold $1500 PPO NE (PDF)

Health Options Clear Choice Gold $1500 PPO National (PDF)

Health Options Clear Choice Platinum PPO NE (PDF)

Health Options Clear Choice Bronze $9100 HMO NE (PDF)

Health Options Clear Choice Bronze $9100 PPO NE (PDF)

Health Options Clear Choice Bronze $9100 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Bronze $9100 PPO National Dental Off MP (PDF)

Health Options Clear Choice Bronze $8000 Healthy Maine HMO NE (PDF)

Health Options Clear Choice Bronze $8000 Healthy Maine HMO NE Off MP (PDF)

Health Options Clear Choice Bronze $8000 Healthy Maine PPO NE (PDF)

Health Options Clear Choice Bronze $8000 Healthy Maine PPO NE Off MP (PDF)

Health Options Clear Choice Bronze $7500 HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Bronze $7500 HMO Tiered NE (PDF)

Health Options Clear Choice Bronze $7500 HMO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE (PDF)

Health Options Clear Choice Bronze $7500 PPO NE Dental (PDF)

Health Options Clear Choice Bronze $7500 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Bronze $7500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Bronze $7000 HSA Plus PPO NE (PDF)

Health Options Clear Choice Bronze $7000 HSA Plus PPO National Dental Off MP (PDF)

Health Options Clear Choice Bronze $6300 HSA Plus PPO National Dental Off MP (PDF)

Health Options Clear Choice Bronze $5900 HSA PPO NE (PDF)

Health Options Clear Choice Silver $5500 Off Marketplace HMO Tiered NE Dental (PDF)

Health Options Clear Choice Silver $5500 Off Marketplace HMO NE Dental (PDF)

Health Options Clear Choice Silver $5500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $4500 HSA HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Silver $4500 HSA HMO NE Dental Off MP (PDF)

Health Options Clear Choice Silver $4200 HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Silver $4200 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $4200 HMO NE (PDF)

Health Options Clear Choice Silver $4200 PPO NE (PDF)

Health Options Clear Choice Silver $4200 PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $4000 HSA PPO NE Dental Off MP (PDF)

Health Options $4000 HMO National Off MP (PDF)

Health Options Clear Choice Silver $3500 HSA HMO NE Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 HMO Tiered NE Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 HMO Tiered NE (PDF)

Health Options Clear Choice Silver $3500 HMO NE (PDF)

Health Options Clear Choice Silver $3500 HMO NE Dental (PDF)

Health Options Clear Choice Silver $3500 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $3500 PPO National (PDF)

Health Options Clear Choice Silver $3000 HSA Plus PPO National Dental Off MP (PDF)

Health Options Clear Choice Silver $3000 PPO NE (PDF)

Health Options Clear Choice Silver $3000 PPO NE Dental (PDF)

Health Options Clear Choice Silver $3000 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Gold $2500 PPO NE (PDF)

Health Options Clear Choice Gold $2500 PPO NE Dental (PDF)

Health Options Clear Choice Gold $2500 PPO NE Dental Off MP (PDF)

Health Options Clear Choice Gold $2500 PPO National Dental (PDF)

Health Options Clear Choice Gold $2500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Gold $1500 PPO NE (PDF)

Health Options Clear Choice Gold $1500 PPO National (PDF)

Health Options Clear Choice Gold $1500 PPO National Dental Off MP (PDF)

Health Options Clear Choice Platinum PPO NE (PDF)

2023 Large Group Plans

Cornerstone PPO $500 20% $1000 RX1 (PDF)

Cornerstone PPO $500 20% $1000 RX2 (PDF)

Cornerstone PPO $1000 20% $2000 RX1 (PDF)

Cornerstone PPO $1000 20% $2000 RX2 (PDF)

Cornerstone PPO $1500 20% $3000 RX1 (PDF)

Cornerstone PPO $1500 20% $3000 RX2 (PDF)

Cornerstone PPO $1500 30% $6000 RX1 (PDF)

Cornerstone PPO $1500 30% $6000 RX2 (PDF)

Cornerstone PPO $2000 20% $4000 RX1 (PDF)

Cornerstone PPO $2000 20% $4000 RX2 (PDF)

Cornerstone PPO $2500 20% $5000 RX1 (PDF)

Cornerstone PPO $2500 20% $5000 RX2 (PDF)

Cornerstone PPO $2500 25% $5000 RX1 Saver (PDF)

Cornerstone PPO $2500 25% $5000 RX2 Saver (PDF)

Cornerstone PPO $2500 30% $5000 RX1 Saver (PDF)

Cornerstone PPO $2500 30% $5000 RX2 Saver (PDF)

Cornerstone PPO NE $2500 30% - effective July 1, 2023 (PDF)

Cornerstone PPO $3000 20% $5000 RX1 (PDF)

Cornerstone PPO $3000 20% $5000 RX2 (PDF)

Cornerstone Preferred PPO $3000 30% $8400 RX1 (PDF)

Cornerstone Preferred PPO $3000 30% $8400 RX2 (PDF)

Cornerstone PPO $3500 20% $7000 RX1 (PDF)

Cornerstone PPO $3500 20% $7000 RX2 (PDF)

Cornerstone PPO $3500 20% $7000 RX2 NoD (PDF)

Cornerstone PPO $3500 20% $7000 RX1 NoD (PDF)

Cornerstone PPO NE $3500 30% NoD - effective July 1, 2023 (PDF)

Cornerstone PPO $4000 20% $5500 RX1 (PDF)

Cornerstone PPO $4000 20% $5500 RX2 (PDF)

Cornerstone PPO $5000 0% $6500 RX1 (PDF)

Cornerstone PPO $5000 0% $6500 RX2 (PDF)

Cornerstone PPO $5000 20% $6000 RX1 (PDF)

Cornerstone PPO $5000 20% $6000 RX2 (PDF)

Cornerstone PPO $5000 50% $7900 (PDF)

Cornerstone PPO $6500 20% $7000 RX1 (PDF)

Cornerstone PPO $6500 20% $7000 RX2 (PDF)

Cornerstone PPO $7500 30% - effective July 1, 2023 (PDF)

Cornerstone PPO $7900 10% $8550 RX1 (PDF)

Cornerstone PPO $7900 10% $8550 RX2 (PDF)

Cornerstone PPO $8500 30% - effective July 1, 2023 (PDF)

Cornerstone PPO $9000 0% - effective July 1, 2023 (PDF)

Cornerstone PPO NE $9000 0% - effective July 1, 2023 (PDF)

Cornerstone PPO HSA Plus $3000 0% $3000 (PDF)

Cornerstone PPO HSA Plus $3000 20% $6500 RX1 (PDF)

Cornerstone PPO HSA Plus $3000 20% $6500 RX2 (PDF)

Cornerstone PPO HSA Plus $4000 20% $5500 RX1 (PDF)

Cornerstone PPO HSA Plus $4000 20% $5500 RX2 (PDF)

Cornerstone PPO HSA Plus $5000 20% $6000 RX1 (PDF)

Cornerstone PPO HSA Plus $5000 20% $6000 RX2 (PDF)

Cornerstone PPO HSA Plus $6000 0% $6000 (PDF)

Cornerstone PPO HSA Plus $6000 50% $6750 RX1 (PDF)

Cornerstone PPO HSA Plus $6000 50% $6750 RX2 (PDF)

Cornerstone Option PPO HSA Plus $6200 30% $7000 RX1 (PDF)

Cornerstone Option PPO HSA Plus $6200 30% $7000 RX2 (PDF)

Cornerstone PPO HSA Plus $6500 20% $7000 RX1 (PDF)

Cornerstone PPO HSA Plus Plus $6500 20% $7000 RX2 (PDF)

Cornerstone PPO HSA Plus $7500 0% - effective July 1, 2023 (PDF)

Cornerstone Option PPO HSA Plus $6200 30% $7000 RX1 (PDF)

2022

2022 Small Group Plans

Community Access HSA (PDF)

Community Balance HSA (PDF)

Community Core HSA (PDF)

Community Option (PDF)

Community Preferred (PDF)

Community Advantage (PDF)

Community Prime (PDF)

Community Progress (PDF)

Community Accord (PDF)

Community Flex (PDF)

Community Elite (PDF)

Community Premier (PDF)

Community Option HSA (PDF)

Community Shield (PDF)

Community Peak (PDF)

Community Progress New England (PDF)

Community Preferred New England (PDF)

Community Elite New England (PDF)

2022 Large Group Plans

Cornerstone PPO HSA $2800 20% $5600 RX1 (PDF)

Cornerstone PPO HSA $2800 20% $5600 RX2 (PDF)

Cornerstone PPO HSA $3000 0% $3000 (PDF)

Cornerstone PPO HSA $3000 20% $6500 RX1 (PDF)

Cornerstone PPO HSA $3000 20% $6500 RX2 (PDF)

Cornerstone PPO HSA $4000 20% $5500 RX1 (PDF)

Cornerstone PPO HSA $4000 20% $5500 RX2 (PDF)

Cornerstone PPO HSA $5000 20% $6000 RX1 (PDF)

Cornerstone PPO HSA $5000 20% $6000 RX2 (PDF)

Cornerstone PPO HSA $6000 0% $6000 (PDF)

Cornerstone PPO HSA $6000 50% $6750 RX1 (PDF)

Cornerstone PPO HSA $6000 50% $6750 RX2 (PDF)

Cornerstone PPO HSA $6200 30% $7000 RX1 (PDF)

Cornerstone PPO HSA $6200 30% $7000 RX2 (PDF)

Cornerstone PPO HSA $6500 20% $7000 RX1 (PDF)

Cornerstone PPO HSA $6500 20% $7000 RX2 (PDF)

Cornerstone PPO $500 20% $1000 RX1 (PDF)

Cornerstone PPO $500 20% $1000 RX2 (PDF)

Cornerstone PPO $1000 20% $2000 RX1 (PDF)

Cornerstone PPO $1000 20% $2000 RX2 (PDF)

Cornerstone PPO $1500 20% $3000 RX1 (PDF)

Cornerstone PPO $1500 20% $3000 RX2 (PDF)

Cornerstone PPO $1500 30% $6000 RX1 (PDF)

Cornerstone PPO $1500 30% $6000 RX2 (PDF)

Cornerstone PPO $2000 20% $4000 RX1 (PDF)

Cornerstone PPO $2000 20% $4000 RX2 (PDF)

Cornerstone PPO $2500 20% $5000 RX1 (PDF)

Cornerstone PPO $2500 20% $5000 RX2 (PDF)

Cornerstone PPO $2500 25% $5000 RX1 (PDF)

Cornerstone PPO $2500 25% $5000 RX2 (PDF)

Cornerstone PPO $2500 30% $5000 RX1 (PDF)

Cornerstone PPO $2500 30% $5000 RX2 (PDF)

Cornerstone PPO $3000 20% $5000 RX1 (PDF)

Cornerstone PPO $3000 20% $5000 RX2 (PDF)

Cornerstone Preferred PPO $3000 30% $8400 RX1 (PDF)

Cornerstone Preferred PPO $3000 30% $8400 RX2 (PDF)

Cornerstone PPO $3500 20% $7000 RX1 (PDF)

Cornerstone PPO $3500 20% $7000 RX2 (PDF)

Cornerstone PPO $4000 20% $5500 RX1 (PDF)

Cornerstone PPO $4000 20% $5500 RX2 (PDF)

Cornerstone PPO $5000 0% $6500 RX1 (PDF)

Cornerstone PPO $5000 0% $6500 RX2 (PDF)

Cornerstone PPO $5000 20% $6000 RX1 (PDF)

Cornerstone PPO $5000 20% $6000 RX2 (PDF)

Cornerstone PPO $5000 50% $7900 (PDF)

Cornerstone PPO $6500 20% $7000 RX1 (PDF)

Cornerstone PPO $6500 20% $7000 RX2 (PDF)

Cornerstone PPO $7900 10% $8550 RX1 (PDF)

Cornerstone PPO $7900 10% $8550 RX2 (PDF)

Cornerstone PPO $3500 20% $7000 RX2 NoD (PDF)

Cornerstone PPO $3500 20% $7000 RX1 NoD (PDF)