Massachusetts offers many options for its residents. There are eight health insurance carriers offering various plans on the state exchange, allowing for comparison shopping. Where you reside makes a big difference in Massachusetts, with the same plan costing different amounts around the state. The commonwealth does not allow short-term plans but does offer four tiers of coverage.
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How to Buy Health Insurance in Massachusetts
You can compare plans and purchase health insurance at www.healthcare.gov. Massachusetts has its own marketplace called the Massachusetts Health Connector.
How to Apply for Health Insurance in Massachusetts
Go to healthcare.gov to apply for health insurance in Massachusetts. You can also visit the Massachusetts Health Connector at www.mahix.org to view health and dental insurance plans and apply.
Health Insurance Carriers In Massachusetts
There are eight health insurance carriers on the exchange in Massachusetts:
- AllWays Health Partners
- Blue Cross Blue Shield of Massachusetts
- Boston Medical Center/BMC HealthNet Plan
- Fallon Community Health Plan
- Harvard Pilgrim Health Care
- Health New England
- Tufts HMO, Tufts Health Public Plan
- UnitedHealthcare
Massachusetts Health Insurance Costs Overview
There are four tiers of health insurance coverage available in Massachusetts – Platinum, Gold, Silver, and Bronze.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Massachusetts?
The average benchmark monthly health insurance premium in Massachusetts is $447 a month.
What is the Cheapest Health Insurance Plan in Massachusetts?
The cheapest health insurance plan in Massachusetts is likely a Bronze plan. Contact us for more information on what is available in your area!
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Cheapest Massachusetts Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2o25 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Massachusetts in 2025 was $519.
Silver Plans
The average lowest cost premium of a Silver Plan in Massachusetts in 2025 was $419.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $346.
Other Types of Massachusetts Health Insurance Coverage
Catastrophic Health Insurance in Massachusetts
Catastrophic health insurance plans are available in Massachusetts.
Short Term Health Insurance in Massachusetts
Short-term health insurance plans are illegal in the state. These plans do not meet the state’s requirements and therefore cannot be purchased in Massachusetts.
Low Income Health Insurance in Massachusetts
MassHealth is available for adults and children who qualify for the program. It is the state’s version of Medicaid and Children’s Health Plus combined into one program. Even if you purchase health insurance on the exchange, many people qualify for subsidies and tax credits to make health insurance coverage more affordable. Through its ConnectorCare program, Massachusetts offers subsidies to residents with income levels up to 300% of the federal property level.
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