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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 | Maine Form, Rate and Rule Filings | Bureau Reports | Staff Directory | Hearing Links | Featured Links | Press Releases/Recent News | Sample Home and Auto Policies


State of Maine offices will be closing at 1 PM Wednesday November 26th due to the impending storm.

State of Maine offices will be closed Thursday November 27th and Friday November 28th in recognition of Thanksgiving. Offices will re-open Monday December 1st.



  • The 2014 Open Enrollment period to purchase individual health insurance closed on March 31.  The Open Enrollment for individual health care coverage in 2015 is scheduled to run November 15, 2014 – February 15, 2015. If you need to purchase individual health insurance before the next Open Enrollment period, you may do so if you qualify for Special Enrollment.  Feel free to call the Bureau of Insurance Consumer Health Care Division at 1-800-300-5000 (toll free in-state) with questions or concerns.


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:


The Internal Revenue Service is responsible for tax provisions of the Affordable Care Act that will be implemented during the next several years. You can find a list of provisions now in effect, with periodic updates, from the IRS.”


Frequently Asked Questions -- Federal Healthcare Reform


The ACA and Maine - A Maine Bureau of Insurance Presentation
Bureau Presentation on ACA and Maine - as presented at the Maine Health Care Advisory Committee Meeting of September 22, 2014. This presentation is available upon request in Microsoft PowerPoint; please contact the Bureau of Insurance at

Bureau Presenation on ACA - this presentation is available upon request in Microsoft PowerPoint; please contact the Bureau of Insurance at


This Navigator Resource Guide provides information about the Affordable Care Act. It was created for use by Marketplace Navigators, but consumers and others may find it helpful. .

  • Navigators and others should contact, the Maine Bureau of Insurance, or MaineCare for guidance on specific circumstances.


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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
  • 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: November 26, 2014