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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 | Bureau Reports | Staff Directory | Hearing Links | Featured Links | Press Releases/Recent News | Sample Home and Auto Policies

The Bureau of Insurance will be closed Monday, April 21, 2014, in observance of Patriot’s Day.


  • 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 ACA and Maine - A PowerPoint Presentation
Bureau PowerPoint Presentation on ACA and Maine

This guide 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.   


  • Information in this guide is current as of February 21, 2014. Future supplements will incorporate changes to federal rules.
  • 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 13-1000 Anthem Blue Cross and Blue Shield Individual Rate Filing -Decision and Order

Bureau Reports

Staff Directory

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NEW! -- 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 803-2013 - Decision and Order - Anthem Blue Cross and Blue Shield request to Discontinue Individual Health Plans

NEW! INS 801-2013 -Anthem Blue Cross and Blue Shield Request for Approval of Access Plans - Decision and Order issued July 25, 2013.

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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

NEW! Maine Long-Term Care Partnership Program

NEW! Physician Tiering Program report form

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Recent Press Releases / Recent News
  • 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 Continues Federal Health Reform (ACA)Informational Sessions with December 10th Presentation in Bangor
  • 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)
  • Bureau of Insurance Continues Informational Sessions Regarding the Federal Health Care Reform 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)
  • Bureau of Insurance to Hold Informational Sessions Regarding the Federal Health Care Reform Law (ACA) in Augusta and Auburn
  • Maine’s Insurance Superintendent Highlights New Enrollment Period for Individual Health Insurance Policies
  • Maine Bureau of Insurance to Hold Public Informational Sessions Regarding the Federal Health Care Reform Law (ACA)
  • Maine Protects Insurance Consumers by Reaching Settlement with Three CIGNA Companies
  • Insurance Superintendent Alerts Consumers and Businesses to Flood-damaged Vehicles in Aftermath of Superstorm Sandy
  • Maine Bureau of Insurance Obtains More Than $3 Million in Recoveries for Consumers in 2012; State Agency Handled Almost 9,000 Inquiries and Over 850 Complaint Cases
  • Maine Ranked in Top Ten for Affordability of Homeowners and Personal Auto Insurance
  • Superintendent of Insurance Highlights Final Days of Medicare Open Enrollment Period and Offers Tips to Protect Consumers While Making Important Decisions
  • Bureau of Insurance Announces Approval of Decrease in Workers’ Compensation Loss Costs
  • Bureau of Insurance Investigation Results in Return of More than $1.3 Million to Maine Consumer
  • Superintendent of Insurance Reminds Consumers to Review Coverage During Medicare Open Enrollment Period and Offers Tips to Protect Seniors
  • In the Wake of Sandy, Superintendent of Insurance Shares Important Reminders for Maine Consumers and Business Owners
  • Bureau of Insurance Reminds Consumers of September 28th Deadline Regarding Long-Term Care Partnership Program
  • Maine Bureau of Insurance Highlights New Mobile App That Takes the Guesswork Out of Auto Accidents
  • Bureau of Insurance Issues Flood Insurance Alert
  • Bureau of Insurance Issues Cease and Desist Order In Fraudulent Insurance Scheme
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    Last Updated: April 17, 2014