Health Insurance in Maine: Your Options Explained Simply

Health insurance is one of those things everyone knows they need but few people actually understand. Between HMOs, PPOs, deductibles, copays, and marketplace subsidies, it is easy to feel overwhelmed. At Quirk Insurance, we help Maine residents and businesses navigate these options every day. Here is a plain-English breakdown of your choices.

Individual Health Insurance

If you are self-employed, between jobs, or your employer does not offer health coverage, individual health insurance is your primary option. In Maine, the major carriers for individual plans include Anthem, Aetna, Community Health Options, Harvard Pilgrim, and United Healthcare. Quirk Insurance represents all of these carriers, which means we can compare plans side by side to find the best fit for your needs and budget.

The Health Insurance Marketplace

Maine residents can also purchase individual coverage through the Health Insurance Marketplace at healthcare.gov. Depending on your income, you may qualify for premium subsidies that significantly reduce your monthly cost. Our agents can assist you with the marketplace application process and help you understand whether you qualify for financial assistance. There is no extra cost to use an agent for marketplace enrollment.

Group Health Insurance for Employers

If you own a business, offering health insurance to your employees is one of the most important benefits you can provide. It helps you attract and retain talent, and it shows your team that you invest in their well-being. Quirk Insurance works with small and mid-sized Maine businesses to design group health plans that balance coverage and cost. We represent multiple carriers and can often find options that fit even tight budgets.

Employee Benefits Beyond Health

Health insurance is just one piece of a complete benefits package. We also help Maine employers set up group dental plans, disability insurance through carriers like UNUM, The Standard, and Assurity, group life insurance, accident plans, and other voluntary benefits. A strong benefits package does not have to break the bank, and it can make a real difference in employee retention.

Let Us Help You Navigate

Whether you need individual coverage, help with the marketplace, or a group plan for your business, the agents at Quirk Insurance are here to guide you through the process. We speak plain English, we represent all the major Maine carriers, and we work for you, not the insurance companies. Call us at (207) 299-1800 to discuss your health insurance options.