Medicare Supplement Plans Maine 2027: Real Rates, No Age Pricing and Year-Round Switching

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 29, 2026

Medicare Supplement plans in Maine cannot be priced by age or gender, so a 65-year-old and an 85-year-old pay the same rate for the same plan at the same company. On the Maine Bureau of Insurance annual rate chart, non-smoker Plan G runs from about $3,300 a year (roughly $275 a month) to $5,554 a year, and Maine lets you switch to equal or lesser coverage in any month if you have had no coverage gap over 90 days.

2027 by the Numbers

companies on the Maine Bureau of Insurance annual rate chart

$5,554

highest non-smoker Plan G annual rate on that chart (Humana)

53,949

Maine Medicare Supplement enrollees, Dec. 2025 (Mark Farrah Associates)

3 years

Maine’s trial period to leave Medicare Advantage and return (Bureau of Insurance)

Maine runs its Medicare Supplement market differently from almost every other state. Your age does not change your premium, there is no once-a-year switching window because you can switch at any time, and every insurer must open Plan A to all applicants for one month a year.

Below are the rules from the Maine Bureau of Insurance’s consumer guide (updated August 2026) and the actual premiums from its annual rate chart. For benefit details on the most popular letter, read our Medicare Supplement Plan G 2027 guide.

Compare 2027 Maine Medicare Supplement Rates

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Why Your Birthday Doesn't Raise Your Premium in Maine

Medicare Supplement plans Maine 2027: Maine bans age and gender pricing compared with most states

In most states, companies can charge older buyers more, and many raise rates every year as you age. Maine’s Bureau of Insurance guide says premiums cannot vary by age or gender. Companies may still charge smokers more, rates may differ by location, and renewal rates can change based on a company’s claims in your area.

Same price at 65 or 85. A rate quote at 65 is not a teaser. Your premium will not jump just because you had a birthday.

Rising claims still matter. Group increases can still happen when a company’s Maine claims go up.

Smoking counts. Most companies on the Maine chart list a separate, higher smoker rate.

Broker tip: Because age is off the table, the price gap between companies is the main thing to shop in Maine. Older buyers who switch can save just as much as new enrollees.

Medicare Supplement Quotes

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Changing Plans in Any Month

Maine has no birthday rule. It does something broader. The Bureau of Insurance guide says you may change to a plan with the same or fewer benefits at any time, as long as you have never had a gap in Medicare Supplement coverage longer than 90 days since your open enrollment period.

Move	Allowed in Maine without health questions?
Plan G at one company to Plan G at another	Yes, any month, if no gap over 90 days
Plan G to Plan N	Yes, Plan N has fewer benefits
Plan N to Plan G	No, Plan G has more benefits
Plan F to Plan G (if you have F)	Yes, Plan G has fewer benefits

Source: Maine Bureau of Insurance, A Consumer’s Guide to Medicare Supplement Insurance, August 2026.

The 90-day rule is the catch. If you drop coverage for more than 90 days, you lose this right. Learn the general switching rules on our can you change Medicare Supplement plans page.

Extra Guaranteed Rights Only Mainers Get

Plan A open month. Each insurer must pick one month a year when it accepts any applicant for Plan A. Anthem sells Plan A all year, with a 20% surcharge for the first 12 months if you buy outside your open enrollment.

90 days after losing coverage. If you lose individual, employer or MaineCare coverage, you can apply within 90 days and insurers must offer you a policy.

Three-year Medicare Advantage trial. If you joined Medicare Advantage at first eligibility and return to Original Medicare within three years, you can buy any plan within 90 days. Federal law only allows one year.

Suspend while on MaineCare. You may be able to pause an individual policy while you qualify for MaineCare benefits.

These sit on top of the federal six-month open enrollment at 65 and the federal guaranteed issue rights. See our guaranteed issue guide for the federal list.

Maine Bureau of Insurance Rate Chart: Plan G and Plan N

Medicare Supplement plans Maine 2027: non-smoker Plan G annual rates by company from the Maine Bureau of Insurance chart

The Bureau posts a Medicare Supplement Annual Rates chart with every company’s yearly premium by plan. These are statewide annual rates for non-smokers, with some companies already showing rates effective in early 2027.

Company	Plan G (non-smoker, yearly)	Plan N (non-smoker, yearly)
State Farm	$3,299 ($3,507 listed for Feb. 1, 2027)	$2,538
Medco	$3,322	$2,451
Plateau	$3,676	$2,675
Anthem Blue Cross	$3,739 ($4,379 listed for Jan. 1, 2027)	$2,672
Insurance Company of North America	$3,790	$2,644
UnitedHealthcare	$3,810	$2,874
Washington National	$3,826	$2,526
Humana	$5,554	$3,494

Source: Maine Bureau of Insurance, Medicare Supplement Annual Rates chart (2026 chart with 2027 effective dates noted). Divide by 12 for monthly. Smoker rates are higher.

The spread is wide. On Plan G, the top non-smoker rate is about $2,250 a year more than the lowest. With age pricing banned, that difference holds for every age. Our Plan G vs Plan N comparison shows when Plan N’s lower price is worth the copays.

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Pre-Existing Waiting Periods Vary by Company

Maine’s rate chart also lists each company’s pre-existing condition exclusion period. That matters if you buy outside a guaranteed window and have not had prior coverage.

Company	Exclusion period on Maine chart
State Farm	None
Insurance Company of North America	None
United American	60 days
Humana	3 months
UnitedHealthcare	3 months
Anthem Blue Cross	6 months
Medco	6 months

Source: Maine Bureau of Insurance, Medicare Supplement Annual Rates chart.

Good to know: The Bureau’s guide says that if you had at least six months of prior coverage with no gap over 90 days, a new company cannot make you wait again for similar benefits.

Maine's Small, Concentrated Market and Free Help

Maine had 53,949 Medicare Supplement enrollees at the end of 2025, according to Mark Farrah Associates. Two companies held about 79% of them: UnitedHealthcare at 42.3% and the next-largest carrier at 36.3%. Plan F still led at 41.3%, followed by Plan G at 34.9% and Plan N at 15.0%.

Start with the Bureau chart. Find your current plan letter and see where your company ranks.

Check your coverage history. Confirm you have had no gap over 90 days so the switching right applies.

Compare the same or a lower letter. Quotes from several companies take minutes with a licensed agent.

Ask Maine SHIP. Maine’s State Health Insurance Assistance Program offers free, unbiased counseling, and the Bureau of Insurance answers complaints and rate questions.

Bottom Line

Maine is one of the friendliest states for Medicare Supplement buyers: no age pricing, switching to equal or lesser coverage in any month, a three-year Medicare Advantage trial and a yearly Plan A open month. The Bureau of Insurance rate chart shows Plan G prices differ by more than $2,000 a year, so compare companies before you renew.

View 2027 Maine plans & rates in your ZIP code

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Medicare Supplement Plans Maine — Frequently Asked Questions

➤ Does my age change my Medicare Supplement premium in Maine?

No. The Maine Bureau of Insurance says premiums cannot vary by age or gender. Rates can still change for everyone when a company’s claims rise, and smokers may pay more.

➤ Can I switch Medicare Supplement plans in Maine without waiting for my birthday?

Yes. Maine lets you move to a plan with the same or fewer benefits at any time, as long as you have not had a coverage gap longer than 90 days since your open enrollment.

➤ What happens if I let my Maine coverage lapse for more than 90 days?

You lose the right to switch without health questions. A new company could then ask about your health and may apply a waiting period for pre-existing conditions.

➤ Which company had the lowest Plan G rate on Maine’s chart?

State Farm and Medco list the lowest non-smoker Plan G rates, about $3,300 a year. Humana lists the highest at $5,554 a year.

➤ Do Maine insurers make you wait for pre-existing conditions?

Some do. The Bureau chart shows no exclusion period at State Farm and Insurance Company of North America, 3 months at Humana and UnitedHealthcare, and 6 months at Anthem and Medco. Prior coverage can waive it.

➤ How long can I try Medicare Advantage in Maine and still come back?

Three years, if you joined Medicare Advantage during your first eligibility. You then have 90 days after leaving to buy any Medicare Supplement plan.

➤ Can I keep my Medicare Supplement if I qualify for MaineCare?

You may be able to suspend an individual policy while you have MaineCare. If you later lose MaineCare, you can buy any Maine plan within 90 days.

➤ Is Plan A ever open to everyone in Maine?

Yes. Each insurer must choose one month a year when it accepts any applicant for Plan A. Anthem’s Plan A is available all year, with a 20% surcharge for the first year outside open enrollment.

New to Medicare?

If you are new to Medicare, then you can enroll in a 2027 Medicare Supplement plan up to six months prior to your Medicare Part B effective date.

Call one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. You can contact them at 1-855-409-6195.

Medicare Supplement Quotes

Call a Licensed Agent Now

Compare 2027 Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-409-6195

TTY users 711

No obligation to enroll

Speak with a licensed insurance agent

1-855-409-6195

Compare plans in your area

1-855-409-6195 TTY 711

Medicare Supplement Plans Maine 2027: Real Rates, No Age Pricing and Year-Round Switching

Compare 2027 Maine Medicare Supplement Rates

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Why Your Birthday Doesn't Raise Your Premium in Maine

Changing Plans in Any Month

Extra Guaranteed Rights Only Mainers Get

Maine Bureau of Insurance Rate Chart: Plan G and Plan N

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Pre-Existing Waiting Periods Vary by Company

Maine's Small, Concentrated Market and Free Help

Bottom Line

View 2027 Maine plans & rates in your ZIP code

Speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT

Medicare Supplement Plans Maine — Frequently Asked Questions

New to Medicare?

Compare plans & benefits in your area

Or speak with a licensed insurance agent

1-855-409-6195TTY 711

Mon-Fri: 5am-7pm, Sat-Sun: 7am-4pm CT