Individual and Small Group Health Insurance
Video of the Bureau's Public Forum Regarding 2026 Individual and Small Group Major Medical Rate Requests (recorded August 15, 2025)
2025 Average Rate Increases - Summary Tables (PDF)
2024 Average Rate Increases - Summary Tables (PDF)
The Bureau of Insurance has created a calculator to make it easy for you to see the estimated rate for each of the individual plans available to you and your family members (both on and off the Marketplace), based on your age, county and family size.
ACA Individual and Small Group Plans Rate Calculator Instructions
To see details of a filing, click on the Search Public Filings button below and paste or type in the relevant SERFF Tracking Number listed in the table (no need to complete the rest of the form).
| 2026 Plan Year | SERFF Tracking Number | |
|---|---|---|
|
Company |
Individual |
Small Group |
| Anthem | ATEM-134525869 | ATEM-134525956 |
| CHO | MECH-134516715 | MECH-134516719 |
| Harvard Pilgrim | HPHC-134559395 | HPHC-134559254 |
| HPHC | HPHC-134559237 | HPHC-134559253 |
| Taro Health Plan of Maine | THPO-134525103 | THPO-134525109 |
| UnitedHealthcare Insurance | UHLC-134487664 | UHLC-134487661 |
| UnitedHealthcare of New England | UHLC-134487543 | UHLC-134487537 |
| 2025 Plan Year | SERFF Tracking Number | |
|---|---|---|
|
Company |
Individual |
Small Group |
| Anthem | ATEM-134123237 | ATEM-134123240 |
| CHO | MECH-134081193 | MECH-134081142 |
| Harvard Pilgrim | HPHC-134129718 | HPHC-134129726 |
| HPHC | HPHC-134129692 | HPHC-134129736 |
| Taro Health Plan of Maine | THPO-134191643 | THPO-134127987 |
| UnitedHealthcare Insurance | UHLC-134115228 | UHLC-134115184 |
| UnitedHealthcare of New England | UHLC-134115226 | UHLC-134115182 |
Written comments can be submitted to the Superintendent as follows:
By E-mail: karma.y.lombard@maine.gov
By U.S. Mail:
Robert L. Carey, Superintendent
Attn: Karma Y Lombard
Bureau of Insurance
Maine Department of Professional and Financial Regulation
#34 State House Station
Augusta, Maine 04333-0034
Electronically in SERFF
Follow the instructions above to search public filings in SERFF and use the link to the online comment form on the relevant filing page.
The Affordable Care Act (ACA) requires that insurers planning to increase plan premiums by an average of 15% or more submit their rates to the Federal government website. For a general explanation of this requirement visit www.cms.gov/CCIIO/Resources/Data-Resources/ratereview.html. To view Maine filings on the federal website that meet the 15% threshold go to https://ratereview.healthcare.gov/ and select "Maine."
Property and Casualty
Overview of Auto and Homeowners Rates, 2015-2024
The PDF document below will be regularly updated to reflect the most recent property and casualty rates:
PC rate changes approved 07-29-24 to 08-22-2025
Learn more about Auto and Homeowners and Commercial insurance lines.
Long-Term Care
Rates for long-term care policies issued in Maine may not be increased without approval. Policy filings may be made, at the insurer's option, with either the Bureau of Insurance or the Interstate Insurance Product Regulation Commission (IIPRC). Rate filings for increases above 15% with respect to products approved by the IIPRC must be reviewed and approved by each compacting state, not the IIPRC. For rate filings under Maine jurisdiction, Bureau staff carefully reviews the requested increase and then sends it to an actuarial consulting firm for independent review. The carrier must provide specific information supporting its rate request. The Bureau will reject the requested rate increase if it is not actuarially justified or if it does not meet the requirements of the current regulation.
Pending rate increases are those currently under review by the Bureau of Insurance along with outside consulting firm INS Consultants. The recently approved rate increase chart shows the increases which have undergone review within the past year and will be implemented by the company soon.
Currently Pending Rate Increases
|
Company |
SERFF Tracking # |
Policy |
Number of |
Increase |
Date Increase |
|
Lincoln Benefit |
LTCG-134605522 |
LB-7000-P-ME (Q)&(NQ) (“LB-7000”) LB-7001-P-ME (Q)&(NQ) (“LB-7000”) |
13 |
308% |
7/28/25 |
|
Lincoln Benefit |
LTCG-134605217 |
LB-6302-P-ME (Q)&(NQ) (“LB-6301”) LB-7000-P-ME (Q)&(NQ) (“LB-7000”) LB-7001-P-ME (Q)&(NQ) (“LB-7000”) |
12 |
295% - LB-6301 series 308% - LB-7000 series |
7/28/25 |
|
Transamerica |
AEGB-134641349 |
ICC13 TLC-4 |
72 |
34% |
8/17/25 |
Recently Approved Rate Increases
|
Company |
SERFF Tracking # |
Policy |
Number of |
Increase |
Increase |
Date |
|
Allianz |
ALLB-134147082 |
7-P-Q, 8-P-Q |
11 |
31.75% |
4.31% |
9/18/24 |
|
Allianz |
ALLB-134146688 |
N-2720-P-ME, N-2720-P-ME(Q), N-2720-P-ME(NQ), N-2721-P-ME, N-2721-P-ME(Q), N-2721-P-ME(NQ), N-2350-P-ME, N-3000-P-ME(Q), N-3000-P-ME(NQ), N-3001-P-ME(Q), N-3001-P-ME(NQ) |
119 |
16.6% |
2.12% |
9/18/24 |
|
Allianz |
ALLB-134215630 |
10-P-Q-ME |
97 |
23.3% |
4.1% |
10/23/24 |
|
Bankers Life |
BNLB-134038083 |
N400 & N500 |
665 |
53.7% |
Filing withdrawn |
Filing withdrawn |
|
Bankers Life |
BNLB-134360435 |
GR N-340, 350, 370, 380 |
101 |
41.5% |
0% - Disapproved |
6/5/25 |
|
Bankers Life |
BNLB-134456786 |
N400 & N500 |
186 |
72.5% |
68.9% |
8/21/25 |
|
Bankers Life |
BNLB-134456822 |
N400 & N500 |
393 |
72.5% - 400 series 60% - 500 series |
68.9% - 400 series 60% - 500 series |
8/21/25 |
|
Continental Casualty |
CNAB-134008977 |
P1-N0075-A18, P1-N0076-A18, P1-N0080-A18, P1-N0081-A18, P1-N0085-A18, P1-N0086-A18, P1-N0090-A18, P1-N0091-A18, P1-N0095-A18, P1-N0096-A18, P1-N0100-A18, P1-N0101-A18 |
73 |
68% on non-lifetime max benefits 395.3% on unlimited lifetime max benefits |
24.7% |
5/21/24 |
|
Continental Casualty |
CNAB-134040702 |
P1-21295-A18, P1-21300-A18, P1-21305-A18, P1-N0022-A18, P1-N0026-A18, P1-N0030-A18, P1-N0034-A18 |
77 |
41.5% |
41.5% |
7/17/24 |
|
Continental Casualty |
CNAB-134080777 |
P1-15203-A, P1-16356-A, P1-18215-A18, P1-18876-A18, P1-18878-A18 |
29 |
55.2% |
51.9% |
7/17/24 |
|
Continental Casualty |
CNAB-134210714 |
(Group) P1-43636-A, SR-LTCP-Series, GLTC-3-P-xx-01 |
13 |
19.4% |
19.4% |
10/3/24 |
|
Genworth |
GEFA-134261155 |
7042, 7044, 7042 Rev, 7044 Rev |
172 |
34.9% - Lifetime 3.1% - Limited |
34.8% - Lifetime 3.1% - Limited |
7/1/25 |
|
Genworth |
GEFA-134298052 |
7046, 7050, 7053 |
349 |
120% |
45.4% |
7/1/25 |
|
Genworth |
GEFA-134261149 |
7042, 7044, 7042 Rev, 7044 Rev |
1,274 |
233% - Lifetime high BIO 26.3% - Lifetime low BIO 124% - Limited high BIO |
76.3% - Lifetime high BIO 2.9% - Lifetime low BIO 50.1% - Limited high BIO |
7/1/25 |
|
Genworth |
GEFA-134261146 |
7052 |
391 |
178% - Lifetime high BIO 9.9% - Lifetime low BIO 111% - Limited high BIO 111% - Couple Discount |
99.1% - Lifetime high BIO 1.0% - Lifetime low BIO 54.3% - Limited high BIO 84.3% - Couple Discount |
7/1/25 |
|
Genworth |
GEFA-134261126 |
7035 |
455 |
1.8% - Lifetime high BIO 3.5% - Limited high BIO |
1.8% - Lifetime high BIO 3.5% - Limited high BIO |
7/1/25 |
|
Genworth |
GEFA-134261116 |
7000, 7020 |
130 |
25% - Lifetime 21.9% - Limited |
25% - Lifetime 21.9% - Limited |
7/1/25 |
|
Genworth |
GEFA-134261084 |
7030, 7031, 7032 |
286 |
30.8% Lifetime high BIO 37.6% Limited high BIO |
30.8% Lifetime high BIO 34.6% Limited high BIO |
7/1/25 |
|
John Hancock (filed through the Compact) |
MULF-133928132 |
ICC12-LTC-12 |
24 |
15% |
15% |
7/15/24 |
|
John Hancock |
MULF-133860072 |
LTC-03 ME, LTC-06 ME, BSC-03 ME, & ICC10-LTC-11 |
1,348 |
30.4% |
26.7% |
9/19/24 |
|
John Hancock |
MULF-134280276 |
LTC-ME-91 NH-ME-91 LTC-96 ME LTC-96CL ME NH-99 ME LTC2000 ME LTC-02 ME BSC-02 ME LTC-03 ME BSC-03 ME |
643 |
5% - Advantage Policy Forms (LTC-ME-91 & NH-ME-91) 13% - Gold Policy Forms (LTC-96 ME 9/96 & LTC2000 ME 4/00) 26% - Custom Care I (LTC-02 ME & BSC-02 ME) 49% - Custom Care II (LTC-03 ME & BSC-03 ME) |
4.5% - Advantage Policy Forms (LTC-ME-91 & NH-ME-91) 12.6% - Gold Policy Forms (LTC-96 ME 9/96 & LTC2000 ME 4/00) 24.6% - Custom Care I (LTC-02 ME & BSC-02 ME) 47.7% - Custom Care II (LTC-03 ME & BSC-03 ME) |
5/13/25 |
|
Mass Mutual |
MILL-133735665 |
MM500-P-ME, MM500-P-1-ME, et al. |
32 |
48% |
48% |
3/4/24 |
|
Mass Mutual |
MILL-133735661 |
MM-300-P-ME, MM-400-P-ME, et al. |
27 |
159.4% |
72% |
5/31/24 |
|
Mass Mutual |
MILL-133735851 |
MM-200-P-ME(Q), MM-300-P-ME, MM-301-P-ME, et al. |
78 |
62.5% |
62.5% |
8/2/24 |
|
MedAmerica |
MILL-134037833 |
SPL-336 |
70 |
132.9% |
44.2% |
10/8/24 |
|
Metropolitan Life |
META-134167310 |
LTC2007-ME |
23 |
39.32% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134167338 |
LTC2007-ME |
11 |
152.88% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134167366 |
1LTC-97-ME, 2LTC-97-ME |
114 |
150.32% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134167373 |
LTC-FAC-ME, LTC-VAL-ME, LTC-IDEAL-ME, LTC-PREM-ME |
90 |
83.88% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134167396 |
LTC-FAC-ME, LTC-VAL-ME, LTC-IDEAL-ME, LTC-PREM-ME |
148 |
128.33% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134170291 |
LTC2-VAL-ME, LTC2-IDEAL-ME, LTC2-PREM-ME, LTC2-FAC-ME |
26 |
51.78% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134170295 |
G.LTC1697, G.LTC3098, G.LTC3198 |
16 |
7.38% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134170324 |
G.LTC1697, G.LTC3098, G.LTC3198 |
215 |
7.38% |
Filing rejected |
8/21/24 |
|
Metropolitan Life |
META-134170335 |
LTC-ME.02 Ed. 11-91, LTC-E-ME.02 Ed.11-91, LTC-ME.02 Ed. 11-96, LTC-E-ME.02 Ed. 11-96, LTC.03(ME), LTC.03(ME-1), and TCL-LTC.04(ME) Ed. 8/02 |
147 |
55.66% |
Filing rejected |
8/21/24 |
|
Mutual of Omaha |
MUTA-134386760 |
ICC13-LTC13, ICC13-LTC13-AG |
583 |
35.4% |
26.3% |
6/12/25 |
|
Provident Life |
UNUM-134354524 |
RLTC03, RLTCP03, LTC03, LTCP03, LTCT04 |
117 |
91% |
18.9% |
2/25/25 |
|
Prudential |
PRUD-134047274 |
ILTC-2 |
23 |
2.5% |
2.5% |
5/28/24 |
|
Prudential |
PRUD-134364988 |
ILTC-3R |
9 |
20% - auto inflation 10% - no inflation |
20% - auto inflation 10% - no inflation |
3/6/25 |
|
RiverSource |
AERS-133851417 |
30160A & 32100 |
284 |
7% on lifetime policies |
7% on lifetime policies |
5/7/24 |
|
RiverSource |
AERS-133851478 |
30160A |
207 |
9.1% on lifetime policies |
9.1% on lifetime policies |
5/7/24 |
|
RiverSource |
AERS-133851465 |
30225 & 30227 |
8 |
12.7% on lifetime policies |
12.7% on lifetime policies |
5/7/24 |
|
RiverSource |
AERS-133851462 |
30225 & 30227 |
204 |
20.9% on lifetime policies |
20.9% on lifetime policies |
5/7/24 |
|
The State Life Ins Co |
LFCR-134400876 |
S-6000-P-ME(Q), S-6001-P-ME(Q), S-8000-P-ME, S-8001-P-ME |
27 |
424% - S-6000 series 156% - S-8000 series |
71.5% - S-6000 series 65.1% - S-8000 series |
7/24/25 |
|
The State Life Ins Co |
LFCR-134400698 |
S-9000-P-ME, S-9001-P-ME |
3 |
143% |
65.1% |
7/24/25 |
|
Teachers Ins. and Annuity |
META-134170380 |
LTC-ME.02 Ed. 11-91, LTC-E-ME.02 Ed.11-91, LTC-ME.02 Ed. 11-96, LTC-E-ME.02 Ed. 11-96, LTC.03(ME), LTC.03(ME-1) |
36 |
55.66% |
Filing rejected |
8/21/24 |
|
TIAA-CREF |
META-134170389 |
TCL-LTC.04 (ME) Ed. 8/02 |
4 |
55.66% |
Filing rejected |
8/21/24 |
|
Transamerica (filed through the Compact) |
AEGB-133926066 |
ICC13 TLC-4 |
21 |
14.92% |
14.92% |
10/21/24 |
|
Transamerica |
AEGB-134444754 |
LI 1-FP (ME) 402, LI 1-FP (ME) 404, TLC 1-FP (ME) 402, TLC 1-FP (ME) 404, TLC 1-SC-R 0510, TOL 1-FP (ME) 402, TOL 1-FP (ME) 404 |
30 |
33.6% |
33.6% |
5/7/25 |
|
Unum Life |
UNUM-134038455 |
LTC5592, LTC5492, LTC5392, LTC5292, LTC5192, LTC5092, LTC94, LTC94Q, LTC99, LTC99Q |
1,374 |
31.7% |
31.7% |
6/4/24 |
|
Unum Life |
UNUM-134021866 |
B.LTC & GLTC95 (sold prior to 10/1/04) |
3,482 |
2.8% |
2.8% |
6/5/24 |
|
Unum Life |
UNUM-134053576 |
GLTC04 & RGLTC04 |
8,360 |
26.1% on compound interest policies 27.6% on simple interest policies |
0% - Disapproved |
8/2/24 |
|
Unum Life |
UNUM-134022429 |
B.LTC & GLTC95 (sold on or after 10/1/04) |
2,340 |
58.7% |
36.7% |
8/23/2024 |
If you have any questions or comments, please contact Sherry Worth at