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Bureau of Insurance

The Bureau of Insurance regulates the insurance industry through examining and licensing procedures of insurance companies, licensing producers, reviewing rates and coverage forms, conducting audits, and by sponsoring programs that enhance awareness of and compliance with State laws. The Bureau has authority to enforce the State's insurance laws and rules, initiate investigations, and hold hearings concerning possible infractions.

On this page: Federal Health Care Reform | Rate Filings/Rate Hearings | SERFF Filing Access | Bureau Reports | Staff Directory | Hearing Links | Featured Links | Press Releases/Recent News | Sample Home and Auto Policies



Information About the Anthem Data BreachUpdated February 13, 2015


  • Open Enrollmentfor individuals to purchase, renew or change plans for 2015 on the Individual Health Insurance Market CLOSED on February 15. The next Open Enrollment will be scheduled in the Fall of 2015, for coverage beginning in 2016.
  • Individuals who qualify for a Special Enrollment based on life changes may still enroll in a 2015 plan.
  • Special Enrollment for qualifying Individuals and Families facing a tax penalty: Individuals and families in Maine who have a tax penalty to pay when they file their 2014 Federal taxes, due to lack of qualifying health insurance in 2014, may qualify for a Special Enrollment Period (SEP) for 2015. This SEP will allow individuals and families to purchase insurance for 2015, if they have not already done so, to avoid paying the increased penalty during the 2015 tax season next year. The Special Enrollment Period for these individuals is from March 15 to April 30, 2015. Continue reading for more information about who qualifies for the SEP.


Federal Health Care Reform

Federal law requires all individuals to have a qualified health plan by March 31, 2014. Learn more about health insurance options on and off the Marketplace:


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Rate Filings and Rate Hearings

NEW! INS-14-1000 Anthem Blue Cross and Blue Shield Individual Rate Filing

Bureau Reports

Staff Directory

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SERFF Filing Access (Form, Rate and Rule filings)

Insurance product filings (forms, rates and rules) filed with the Maine Bureau of Insurance are now available to the public through the SERFF filing Access website. SERFF is the System for Electronic Rate and Form Filing service hosted by the National Association of Insurance Commissioners (NAIC) Click here for more information.


Sample Insurance Policies

As a resource for consumers, we offer homeowners' and private passenger automobile insurance policy
forms and mandatory amendatory endorsements offered by the 10 largest insurance groups by market share in Maine.


Hearing Links

NEW! INS-14-400 - Decision and Order September 12, 2014


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Featured Links

CIGNA Regulatory Settlement Agreement

Information on Implementation of PL c. 90 - An Act to Modify Rating Practices for Individual and Small Group Health Plans and to Encourage Value based Purchasing of Health Care Services

Maine Long-Term Care Partnership Program

Physician Tiering Program report form

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Recent Press Releases / Recent News

NEW! Notice of Process for Pending Certified Reinsurers


  • Governor and Insurance Superintendent Encourages Maine Consumers to Consider Flood Insurance to Protect their Property--A Waiting Period for Flood Insurance to Take Effect Means NOW is the Time to Act to be Covered for Possible Spring Flooding
  • Bureau of Insurance Reminds Mainers about End of Open Enrollment and Urges Consumers to Check Doctors, Hospitals and Other Health Providers in Plans Before Making a Selection
  • Governor and State Consumer Protection Officials Say Consumer Laws Protect Against Risks Posed by Anthem Data Breach
  • Maine Ranks Among the Most Affordable in the Nation for Personal Auto and Homeowners Insurance
  • Maine Bureau of Insurance Obtains Almost $3.4 Million in Recoveries for Consumers and Businesses in 2014: Bureau Handled More Than 8,000 Inquiries and Nearly 900 Complaint Cases
  • Bureau of Insurance Reminds Mainers of December 15 Deadline to Enroll in Health Care Coverage That Will Be Effective January 1
  • Bureau of Insurance Highlights Medicare Open Enrollment and Issues Reminder that Medicare Beneficiaries Do Not Need to Make Changes in Response to Federal Health Law (ACA)
  • Bureau of Insurance Provides Guidance to Mainers Enrolling in or Renewing Health Insurance Plans as Open Enrollment Period Nears
  • Governor and Insurance Superintendent Announce Web-Based Access to Approved Insurance Company Filings
  • Governor and Insurance Superintendent Alert Consumers and Businesses to Flood-damaged Vehicles in Aftermath of Storms
  • Officials Say Recent Storms Serve as Reminder about Actions Residents Should Take to Stay Safe and Protect Property During Severe Weather
  • State Officials Announce Conclusion of Insurance Case and Return of More than $160,000 to Maine Consumer
  • With Arrival of Hurricane Season, Governor and Insurance Superintendent Urge Maine Residents to Prepare for Severe Weather
  • Mainers Urged to be Aware of Risks When Using Transportation Network Companies
  • Bureau of Insurance Announces New Online Auto and Homeowners Resources, and Highlights Maine's Ranking Among Most Affordable States in Nation for Auto and Homeowners Insurance
  • Insurance Superintendent Strongly Recommends that Mainers Check Doctors, Hospitals and Other Health Providers in the Plan Network Before Selecting a New Health Care Plan
  • Bureau of Insurance Approves 7.7% Decrease in Workers’ Compensation Loss Costs, with $15.2 Million in Expected Savings to Help Businesses and Consumers
  • Maine Ranks Among the Most Affordable in the Nation for Personal Auto and Homeowners Insurance
  • Bureau of Insurance Obtains Almost $2 Million in Recoveries for Consumers and Businesses in 2013
  • Bureau of Insurance Superintendent to Allow Anthem to Renew Existing Health Plans
  • State Officials Issue Reminder to Those on Medicare: No Need to Make Changes in Response to Federal Health Law (ACA)
  • Governor and Superintendent of Insurance Announce Recovery of Funds for Residents of Nursing Homes after Investigation of Sales Practices for Dental Plan
  • State Officials Warn Consumers about Scams Related to Federal Health Reform (ACA)
  • Maine Protects Insurance Consumers by Reaching Settlement with Three CIGNA Companies


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    Last Updated: February 24, 2015