Maine’s only ACA Marketplace plan with extraordinary access to primary care.

The only plan to offer free, unlimited primary care and mental health visits in Maine.

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Taro Health plans are built on the foundation of free, unlimited primary care and mental health visits. 

We offer plans at a variety of price points and coverage levels to help meet your needs. Compare our 2025 plans at a glance:

Deductible
Monthly Payment
Primary Care
Mental + Behavioral Health
Labs
Generic Drugs
X-Rays
Specialists
Physical Therapy
Urgent Care
Coinsurance
Referrals
bronze
$9,450
$ $ $ $
$0
$0
$15
$35
$300
$200
$200
$100
0%
Not required
Silver
$9,450
$ $ $ $
$0
$0
$0
$0
$200
$150
$150
$100
0%
Not required
Gold
$9,450
$ $ $ $
$0
$0
$0
$0
$0
$75
$75
$100
50%
Not required
BronzeSilverGold
Deductible$4,150$1,900$0
Monthly Payment$ $ $ $$ $ $ $$ $ $ $

Primary Care

$0$0$0

Mental Health

$0$0$0
Specialists$150 or less$75 or less$35 or less
PT/OT/ST$75 or less$50 or less$30 or less
Generic Drugs$25 or less$25 or less$15 or less
Preferred Brand Drugs$150 or less$70 or less$50 or less
Non-Preferred Brand Drugs50%$100 or less$100 or less
Specialty Drugs50%50%$200 or less
Out-Of-Pocket Maximum$9,200$9,200$7,800
Coinsurance50%50%50%
ReferralsNot requiredNot requiredNot required
Find your personalized ACA Marketplace plan:

Choose the plan that works best for you:

Direct Primary Care

Bronze

For those fit as a fiddle, who value preventative care...
Monthly payment
$ $ $ $
Deductible
$ $ $ $
What to know:
Taro Bronze is our lowest cost plan. This plan is designed to give members free and easy access to 80–90% of your everyday healthcare needs–with $0 primary care, and $0 mental health visits, while providing a safety net for any major medical costs. Beyond primary care, there are predictable, transparent, and maximum Copays associated with common services.
This is a good fit if...
You appreciate the flexibility to see your doctor or mental health provider whenever you need, but still want to save on your monthly premium. You don’t anticipate ongoing need for specialist care or brand name drugs.
Detailed coverage
Deductible
$4,150
Primary Care
$0
Mental Health
$0
Specialists
$150
PT/OT/ST
$75
Generic Drugs
$25
Preferred Brand Drugs
$150
Non-Preferred Brand Drugs
50%
Specialty Drugs
50%
Out-Of-Pocket Maximum
$9,200
Coinsurance
50%
Referrals
Not required
Direct Primary Care

Silver

For Goldilocks who likes to be prepped for hard knocks…
Monthly payment
$ $ $ $
Deductible
$ $ $ $
What to know:
Taro Silver offers a more complete package, with cheaper copays for specialists and drugs. With a middle-tier monthly premium, Taro Silver delivers unlimited, free primary care and mental health visits regardless of where you are in your deductible. And after you reach your deductible, Taro covers 50% of ER, hospital, or surgical care, and 100% after you hit your out-of-pocket maximum.
This is a good fit if...
You regularly see your doctor and are willing to pay for a bit more protection across specialists and medications. You want complete coverage, without breaking the bank.
Detailed coverage
Deductible
$1,900
Primary Care
$0
Mental Health
$0
Specialists
$75
PT/OT/ST
$50
Generic Drugs
$25
Preferred Brand Drugs
$70
Non-Preferred Brand Drugs
$100
Specialty Drugs
50%
Out-Of-Pocket Maximum
$9,200
Coinsurance
50%
Referrals
Not required
Direct Primary Care

Gold

For the “What’s up, docs?”, who love high-touch care…
Monthly payment
$ $ $ $
Deductible
$ $ $ $
What to know:
Taro Gold is the only plan on the market with a $0 deductible. This is our richest plan with the most coverage. If you’re used to having lots of coverage and perks, Taro Gold could be right for you. For major events like emergency, hospital, or surgical care, Taro Gold covers 50% of the negotiated cost, and 100% after you hit your out-of-pocket maximum.
This is a good fit if...
You see your doctor often, but you’re not anticipating many trips to the hospital. You’re typically willing to pay a little more each month in order to pay less (lower, capped copays) when you get care and medications.
Detailed coverage
Deductible
$0
Primary Care
$0
Mental Health
$0
Specialists
$35
PT/OT/ST
$30
Generic Drugs
$15
Preferred Brand Drugs
$50
Non-Preferred Brand Drugs
$100
Specialty Drugs
$200
Out-Of-Pocket Maximum
$7,800
Coinsurance
50%
Referrals
Not required

In addition to our core plans, we also offer "Clear Choice" plans: standardized cost-sharing plans developed under the standards set by the Maine Bureau of Insurance for all such policies. Please note: "Clear Choice" plans do not include many of the primary care benefits associated with our core plans.

Coverage through a wide network of top healthcare providers.

We partner with doctors and hospitals you trust for comprehensive coverage across labs & x-rays, low specialist copays, surgeries, newborn care and more.

MaineHealth
Northern Light Health
Mass General Brigham
Martin's Point Health Care
InterMed
Central Maine Medical Center
MaineGeneral Health
York Hospital
Dartmouth-Hitchcock
4,000+
Hospitals
75,000+
Pharmacies
100,000+
Providers

Learn more about ACA Marketplace plans. 

How does the ACA Marketplace work?

The Health Insurance Marketplace (also called the Exchange) is where Affordable Care Act (ACA) health care plans are sold. You may also hear names like ObamaCare and Individual & Family plans. These are all Marketplace health plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid. Plans on the Marketplace are categorized based on how you and your plan split the cost of your health care. They go by Bronze, Silver, and Gold — known as the “metal” categories.

How is Taro able to offer free primary care?

It’s simple: better primary care means fewer hospital visits and expensive prescription drugs. This lowers the cost for everyone, and we pass the savings on to you. This commitment to keeping you healthy means Taro is the only ACA plan to include free, unlimited primary care and mental health visits. And should you need access to specialists or hospital care, Taro partners with hospitals you know and trust with transparent pricing so you’ll know costs upfront––no surprise bills in the mail months later.

How is Taro different from other insurance companies?

We structured our plans to lead with upfront value from Day 1. This means that you’ll be able to feel benefits from your Taro plan without spending a dime by taking advantage of free, unlimited primary care visits, and free, unlimited mental health visits. By leading with quality primary care and these unique benefits, Taro helps keep you healthy from the start. And similar to other plans, Taro will always be there for you when you need us, with a wide network of top specialists, hospitals, and facilities.