Health insurance prices in Worcester County, MA (2026)
38 marketplace plans from 6 insurers. Cheapest plan $390/mo; typical Silver $784/mo. Official marketplace: Massachusetts Health Connector (enter your ZIP for your real price and tax credit).
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). Rating Area 2, Rating Area 3.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $390–$689 (typical $645) · Silver $468–$979 (typical $784) · Gold $551–$1,145 (typical $758) · Platinum $741–$1,264 (typical $1,089) · Catastrophic $388–$511 (typical $451)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Fallon Community Health Plan | 5 | $424 | $435 | $479 | $601 | Standard High Bronze: Community Care Connector Bronze #1 | |
| WellSense Health Plan | 5 | $390 | $409 | $499 | $643 | Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800 | |
| Harvard Pilgrim / Tufts (Point32Health) | 12 | $440 | $649 | $696 | $749 | Standard High Bronze: Tufts Health Direct Bronze 2900 | |
| Mass General Brigham Health Plan | 5 | $638 | $644 | $784 | $834 | Complete HMO 2900 30/65 | |
| Blue Cross and Blue Shield of MassachusettsIndependent Blue Cross Blue Shield company | 6 | $674 | $682 | $904 | $1,059 | HMO Blue Basic Deductible | |
| UnitedHealthcareUnitedHealth Group | 5 | $666 | $674 | $967 | $886 | Standard High Bronze HSA: UHC Navigate HSA Bronze 3800 |
All 76 plans in Worcester County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Harvard Pilgrim / Tufts (Point32Health) | Tufts Health Direct Catastrophic | Catastrophic | HMO | $388 | $10,600 | $10,600 | $15,256 | |
| WellSense Health Plan | Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800 | Expanded Bronze | HMO | $390 | $3,800 | $8,450 | $13,133 | |
| Harvard Pilgrim / Tufts (Point32Health) | Tufts Health Direct Catastrophic | Catastrophic | HMO | $403 | $10,600 | $10,600 | $15,435 | |
| Fallon Community Health Plan | Standard High Bronze: Community Care Connector Bronze #1 | Expanded Bronze | HMO | $424 | $2,900 | $10,150 | $15,244 | |
| WellSense Health Plan | Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800 | Expanded Bronze | HMO | $428 | $3,800 | $8,450 | $13,584 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Bronze: Tufts Health Direct Bronze 2900 | Expanded Bronze | HMO | $440 | $2,900 | $10,150 | $15,431 | |
| Fallon Community Health Plan | Standard High Bronze: Community Care Connector Bronze #1 | Expanded Bronze | HMO | $445 | $2,900 | $10,150 | $15,490 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Bronze: Tufts Health Direct Bronze 2900 | Expanded Bronze | HMO | $457 | $2,900 | $10,150 | $15,635 | |
| Fallon Community Health Plan | Standard Silver: Community Care Connector High Silver II | Silver | HMO | $468 | $2,000 | $10,150 | $15,761 | |
| WellSense Health Plan | Standard High Silver: WellSense Clarity Silver 2000 II | Silver | HMO | $476 | $2,000 | $10,150 | $15,858 | |
| Fallon Community Health Plan | Standard Silver: Community Care Connector High Silver II | Silver | HMO | $490 | $2,000 | $10,150 | $16,033 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Essential | Catastrophic | HMO | $500 | $10,250 | $10,250 | $16,249 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Essential | Catastrophic | HMO | $511 | $10,250 | $10,250 | $16,383 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Silver: Tufts Health Direct Silver 2000 II | Silver | HMO | $516 | $2,000 | $10,150 | $16,347 | |
| WellSense Health Plan | Standard High Silver: WellSense Clarity Silver 2000 II | Silver | HMO | $521 | $2,000 | $10,150 | $16,408 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Silver: Tufts Health Direct Silver 2000 II | Silver | HMO | $536 | $2,000 | $10,150 | $16,586 | |
| Fallon Community Health Plan | Non-Standard Low Gold: Community Care Connector Low Gold | Gold | HMO | $551 | $2,000 | $6,000 | $12,617 | |
| Fallon Community Health Plan | Non-Standard Low Gold: Community Care Connector Low Gold | Gold | HMO | $578 | $2,000 | $6,000 | $12,937 | |
| WellSense Health Plan | Non-Standard Low Gold: WellSense Clarity Gold1750 | Gold | HMO | $601 | $1,750 | $5,500 | $12,716 | |
| Fallon Community Health Plan | Standard High Gold: Community Care Connector High Gold | Gold | HMO | $624 | $1,000 | $7,000 | $14,485 | |
| WellSense Health Plan | Standard High Gold: WellSense Clarity Gold 1000 | Gold | HMO | $626 | $1,000 | $7,000 | $14,509 | |
| Mass General Brigham Health Plan | Complete HMO 2900 30/65 | Expanded Bronze | HMO | $638 | $2,900 | $10,150 | $17,803 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Bronze HSA - Flex | Expanded Bronze | HMO | $640 | $3,800 | $8,450 | $16,134 | |
| Mass General Brigham Health Plan | Complete HMO 2900 30/65 | Expanded Bronze | HMO | $650 | $2,900 | $10,150 | $17,948 | |
| Fallon Community Health Plan | Standard High Gold: Community Care Connector High Gold | Gold | HMO | $654 | $1,000 | $7,000 | $14,848 | |
| Harvard Pilgrim / Tufts (Point32Health) | Non-Standard Low Gold: Tufts Health Direct Gold 1600 | Gold | HMO | $657 | $1,600 | $5,900 | $13,778 | |
| Harvard Pilgrim / Tufts (Point32Health) | Non-Standard Bronze: HMO 3500 - Flex | Expanded Bronze | HMO | $658 | $3,500 | $8,900 | $16,794 | |
| WellSense Health Plan | Non-Standard Low Gold: WellSense Clarity Gold1750 | Gold | HMO | $659 | $1,750 | $5,500 | $13,411 | |
| UnitedHealthcare | Standard High Bronze HSA: UHC Navigate HSA Bronze 3800 | Expanded Bronze | EPO | $666 | $3,800 | $8,450 | $16,437 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Bronze HSA - Flex | Expanded Bronze | HMO | $668 | $3,800 | $8,450 | $16,461 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Gold: Tufts Health Direct Gold 1000 | Gold | HMO | $671 | $1,000 | $7,000 | $15,049 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Basic Deductible | Expanded Bronze | HMO | $674 | $2,900 | $9,800 | $17,888 | |
| Harvard Pilgrim / Tufts (Point32Health) | Non-Standard Low Gold: Tufts Health Direct Gold 1600 | Gold | HMO | $682 | $1,600 | $5,900 | $14,082 | |
| UnitedHealthcare | Standard High Bronze HSA: UHC Navigate HSA Bronze 3800 | Expanded Bronze | EPO | $683 | $3,800 | $8,450 | $16,641 | |
| Harvard Pilgrim / Tufts (Point32Health) | Non-Standard Bronze: HMO 3500 - Flex | Expanded Bronze | HMO | $686 | $3,500 | $8,900 | $17,130 | |
| WellSense Health Plan | Standard High Gold: WellSense Clarity Gold 1000 | Gold | HMO | $686 | $1,000 | $7,000 | $15,233 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Basic Deductible | Expanded Bronze | HMO | $689 | $2,900 | $9,800 | $18,069 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Gold: Tufts Health Direct Gold 1000 | Gold | HMO | $697 | $1,000 | $7,000 | $15,360 | |
| Mass General Brigham Health Plan | Complete HMO 1000 35% | Gold | HMO | $713 | $1,000 | $9,100 | $17,659 | |
| Mass General Brigham Health Plan | Complete HMO 1000 35% | Gold | HMO | $727 | $1,000 | $9,100 | $17,822 | |
| Fallon Community Health Plan | Standard Platinum: Community Care Connector Platinum | Platinum | HMO | $741 | $0 | $3,000 | $11,890 | |
| WellSense Health Plan | Standard Platinum: WellSense Clarity Platinum 0 Deductible | Platinum | HMO | $755 | $0 | $3,000 | $12,054 | |
| Fallon Community Health Plan | Standard Platinum: Community Care Connector Platinum | Platinum | HMO | $777 | $0 | $3,000 | $12,320 | |
| Mass General Brigham Health Plan | Complete HMO 2000 25/60 II | Silver | HMO | $777 | $2,000 | $10,150 | $19,474 | |
| UnitedHealthcare | Non-Standard Low Gold: UHC Navigate Gold 2000 | Gold | EPO | $789 | $2,000 | $7,000 | $16,470 | |
| Mass General Brigham Health Plan | Complete HMO 2000 25/60 II | Silver | HMO | $792 | $2,000 | $10,150 | $19,651 | |
| Harvard Pilgrim / Tufts (Point32Health) | Non-Standard Gold: HMO 2000 Value II - Flex | Gold | HMO | $802 | $2,000 | $5,750 | $15,369 | |
| UnitedHealthcare | Non-Standard Low Gold: UHC Navigate Gold 2000 | Gold | EPO | $809 | $2,000 | $7,000 | $16,711 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard Platinum: Tufts Health Direct Platinum | Platinum | HMO | $811 | $0 | $3,000 | $12,731 | |
| WellSense Health Plan | Standard Platinum: WellSense Clarity Platinum 0 Deductible | Platinum | HMO | $827 | $0 | $3,000 | $12,927 | |
| Harvard Pilgrim / Tufts (Point32Health) | Non-Standard Gold: HMO 2000 Value II - Flex | Gold | HMO | $836 | $2,000 | $5,750 | $15,779 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard Platinum: Tufts Health Direct Platinum | Platinum | HMO | $842 | $0 | $3,000 | $13,106 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard Silver II | Silver | HMO | $855 | $2,000 | $10,150 | $20,415 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard Silver II | Silver | HMO | $892 | $2,000 | $10,150 | $20,852 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Basic II | Silver | HMO | $894 | $2,000 | $9,800 | $20,526 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Basic II | Silver | HMO | $914 | $2,000 | $9,800 | $20,766 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Gold | Gold | HMO | $937 | $1,000 | $7,000 | $18,248 | |
| Mass General Brigham Health Plan | Complete HMO 1000 20/40 | Gold | HMO | $942 | $1,000 | $7,000 | $18,299 | |
| UnitedHealthcare | Standard Silver: UHC Navigate Silver 2000 II | Silver | EPO | $955 | $2,000 | $10,150 | $21,608 | |
| Mass General Brigham Health Plan | Complete HMO 1000 20/40 | Gold | HMO | $959 | $1,000 | $7,000 | $18,513 | |
| UnitedHealthcare | Standard High Gold: UHC Navigate Gold 1000 | Gold | EPO | $963 | $1,000 | $7,000 | $18,551 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Deductible with Copayment | Gold | HMO | $977 | $2,000 | $6,000 | $17,723 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard High Gold | Gold | HMO | $977 | $1,000 | $7,000 | $18,727 | |
| UnitedHealthcare | Standard Silver: UHC Navigate Silver 2000 II | Silver | EPO | $979 | $2,000 | $10,150 | $21,901 | |
| UnitedHealthcare | Standard High Gold: UHC Navigate Gold 1000 | Gold | EPO | $987 | $1,000 | $7,000 | $18,846 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Deductible with Copayment | Gold | HMO | $999 | $2,000 | $6,000 | $17,986 | |
| UnitedHealthcare | Standard Platinum: UHC Navigate Platinum 0 | Platinum | EPO | $1,077 | $0 | $3,000 | $15,926 | |
| Mass General Brigham Health Plan | Complete HMO 20/40 | Platinum | HMO | $1,101 | $0 | $3,000 | $16,215 | |
| UnitedHealthcare | Standard Platinum: UHC Navigate Platinum 0 | Platinum | EPO | $1,105 | $0 | $3,000 | $16,256 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Value Deductible | Gold | HMO | $1,120 | $0 | $6,650 | $20,090 | |
| Mass General Brigham Health Plan | Complete HMO 20/40 | Platinum | HMO | $1,122 | $0 | $3,000 | $16,465 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard Platinum - Flex | Platinum | HMO | $1,138 | $0 | $3,000 | $16,653 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Value Deductible | Gold | HMO | $1,145 | $0 | $6,650 | $20,392 | |
| Harvard Pilgrim / Tufts (Point32Health) | Standard Platinum - Flex | Platinum | HMO | $1,186 | $0 | $3,000 | $17,234 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Premium | Platinum | HMO | $1,237 | $0 | $2,650 | $17,490 | |
| Blue Cross and Blue Shield of Massachusetts | HMO Blue Premium | Platinum | HMO | $1,264 | $0 | $2,650 | $17,822 |
This county spans more than one rating area (Rating Area 2, Rating Area 3), so some plans appear once per area with different prices.
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $390 | $645 | $689 | 8 | $3,200 | $9,350 | $16,449 |
| Silver | $468 | $784 | $979 | 7 | $2,000 | $10,150 | $19,563 |
| Gold | $551 | $758 | $1,145 | 14 | $1,000 | $7,000 | $16,124 |
| Platinum | $741 | $1,089 | $1,264 | 7 | $0 | $3,000 | $16,070 |
| CatastrophicUnder 30 or hardship exemption only | $388 | $451 | $511 | 2 | $10,425 | $10,425 | $15,842 |
* 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.