Waterville, Maine: health insurance
Waterville is in Kennebec County. Here is what Waterville residents should know about coverage.
Coverage in Waterville
Waterville has about 16,823 residents (U.S. Census Bureau 2023 estimate).
Plans for Waterville residents are determined by Kennebec County, home to about 127,259 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Kennebec County before you choose it.
- Turning 65 in Waterville? Your Initial Enrollment Period runs seven months around your birthday. Maine SHIP (State Health Insurance Assistance Program) offers free counseling at 1-877-353-3771.
- Buying your own plan? Shop through CoverME.gov.
- Medicaid questions? Maine Office of MaineCare Services (DHHS) handles applications.
Maine note: Maine is one of the smaller number of states that migrated its ACA marketplace off HealthCare.gov entirely and onto its own technology at CoverME.gov, rather than staying on the federal platform under state oversight the way Arkansas or Oklahoma do.
Medicare plans leaving Kennebec County for 2027
Medicare plans are set by county, so this applies to residents of this city. 11 plans are listed in Kennebec County for 2026 but not for 2027, covering at least 6,696 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Martin's Point Generations Advantage Prime (HMO-POS) H5591-006 | Martin's Point Health Care | 4,087 |
| AARP Medicare Advantage from UHC ME-0002 (PPO) H2001-083 | UnitedHealthcare | 1,660 |
| Wellcare Simple (HMO-POS) H9364-001 | Wellcare / Ambetter (Centene) | 393 |
| AARP Medicare Advantage from UHC ME-0005 (PPO) H2001-019 | UnitedHealthcare | 296 |
| Wellcare Giveback (HMO-POS) H9364-004 | Wellcare / Ambetter (Centene) | 137 |
| Anthem I MaineHealth Advantage Choice (HMO-POS) H9065-003 | Anthem (Elevance Health) | 65 |
See all 11 plans leaving Kennebec County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Waterville
Maine public institutions include University of Maine, University of Southern Maine, University of Maine at Farmington. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Maine colleges.
Do Waterville and Kennebec County have the same plans?
Plans are offered by service area, and Waterville falls under Kennebec County. A plan that serves Kennebec County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Waterville residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major Maine cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.