Health insurance prices in Massachusetts (2026)
48 marketplace plans from 7 insurers across 14 counties. Official marketplace: Massachusetts Health Connector.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
Compare options
Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $379–$784 (typical $626) · Silver $462–$1,019 (typical $749) · Gold $551–$1,204 (typical $787) · Platinum $732–$1,355 (typical $1,049) · Catastrophic $365–$538 (typical $460)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 14) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| WellSense Health Plan | 12 | 5 | $379 | $390 | $476 | $626 | Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800 |
| Fallon Community Health Plan | 8 | 5 | $424 | $442 | $487 | $610 | Standard High Bronze: Community Care Connector Bronze #1 |
| Health New England | 4 | 6 | $495 | $500 | $651 | $738 | Standard High Bronze HSA: HNE Bronze 2 HDHP |
| Harvard Pilgrim / Tufts (Point32Health) | 14 | 12 | $414 | $658 | $723 | $795 | Standard High Bronze: Tufts Health Direct Bronze 2900 |
| Mass General Brigham Health Plan | 14 | 9 | $516 | $615 | $749 | $816 | Select HMO 2900 30/65 |
| Blue Cross and Blue Shield of MassachusettsIndependent Blue Cross Blue Shield company | 14 | 6 | $614 | $680 | $901 | $1,035 | HMO Blue Basic Deductible |
| UnitedHealthcareUnitedHealth Group | 14 | 5 | $645 | $666 | $955 | $883 | Standard High Bronze HSA: UHC Navigate HSA Bronze 3800 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $379 | $626 | $784 | 11 | $2,900 | $9,800 | $16,510 |
| Silver | $462 | $749 | $1,019 | 9 | $2,000 | $10,150 | $19,143 |
| Gold | $551 | $787 | $1,204 | 17 | $1,000 | $7,000 | $16,470 |
| Platinum | $732 | $1,049 | $1,355 | 9 | $0 | $3,000 | $15,587 |
| CatastrophicUnder 30 or hardship exemption only | $365 | $460 | $538 | 2 | $10,425 | $10,425 | $15,949 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Massachusetts
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Barnstable County | 5 | 33 | $435 | $725 | $925 |
| Berkshire County | 7 | 44 | $401 | $559 | $699 |
| Bristol County | 6 | 42 | $379 | $652 | $729 |
| Dukes County | 4 | 26 | $609 | $727 | $961 |
| Essex County | 5 | 37 | $390 | $632 | $752 |
| Franklin County | 6 | 39 | $401 | $613 | $746 |
| Hampden County | 7 | 44 | $401 | $559 | $699 |
| Hampshire County | 6 | 39 | $401 | $613 | $746 |
| Middlesex County | 6 | 42 | $390 | $638 | $717 |
| Nantucket County | 4 | 26 | $609 | $727 | $961 |
| Norfolk County | 6 | 42 | $379 | $652 | $729 |
| Plymouth County | 6 | 42 | $379 | $645 | $720 |
| Suffolk County | 6 | 42 | $390 | $669 | $748 |
| Worcester County | 6 | 38 | $390 | $645 | $784 |
To compare insurance plans side by side (or with health sharing), open your county.