Private and PPO health plans in Massachusetts
Private plans are bought directly from insurers, year-round. We compare Ameristead PPO plans on the Cigna PPO network ($0 preventive care, $0 teledoctor), UnitedHealthOne and First Health fixed indemnity. Call (813) 724-3314 (Mon–Sat 8 AM–9 PM ET) or get a free quote; no fee for our help.
Massachusetts health insurance facts for 2027
| Marketplace | Massachusetts Health Connector (state-run) |
|---|---|
| 2027 enrollment | Through Jan. 23, 2027; Dec. 23 for Jan. 1 (source) |
| Benchmark, age 40 | $551/mo (+$57, +11.5%; KFF) |
| State insurance department (questions and consumer help) | Massachusetts Division of Insurance |
Marketplace enrollment in Massachusetts
Massachusetts runs its own exchange, Massachusetts Health Connector, one of 22 State-based Exchanges CMS lists for 2027, so residents apply there rather than on HealthCare.gov. The Massachusetts Health Connector says open enrollment runs through January 23, 2027, and its deadline table shows December 23, 2026 as the enrollment deadline for coverage starting January 1, 2027 (source).
2027 Marketplace premiums in Massachusetts
KFF: $551 a month for a 40-year-old before subsidies, up from $494 (+$57, +11.5%). That is $152 below the U.S. average ($703); 44th-highest of 50 states. Its 11.5% rise ranks tied for 34th-highest (U.S.: +12.5%).
| Tier | 2026 | 2027 |
|---|---|---|
| Bronze (lowest) | $393 | $470 |
| Silver (lowest) | $476 | $524 |
| Benchmark silver | $494 | $551 |
| Gold (lowest) | $575 | $695 |
Neighbors (2027 benchmark, change): Rhode Island $629 (+24.3%); Connecticut $1,005 (+15.5%); New York $1,041 (+27.4%); Vermont $1,313 (+1.1%); New Hampshire $486 (+21.2%).
Benchmark history (KFF): 2014 $268 · 2018 $316 · 2022 $389 · 2024 $419 · 2025 $447 · 2026 $494 · 2027 $551. That is +106% since 2014.
Research averages, not quotes; changes calculated by us. Full table: cost index.
Coverage in Massachusetts: enrollment, insurers, Medicaid
Marketplace plan selections grew 51% from 2022 to 2026, and rose 3.7% from 2025 to 2026.
| Year | Plan selections | Insurers |
|---|---|---|
| 2026 | 403,624 | 7 |
| 2025 | 389,191 | 7 |
| 2024 | 311,199 | 7 |
| 2023 | 232,621 | 7 |
| 2022 | 268,023 | 8 |
2024 coverage mix (KFF, Census data): uninsured 2.8% (U.S. 8.2%); employer 54.2%; Medicaid 22.7%; Medicare 14.0%; individual 5.9%.
Medicaid expansion: adopted, implemented 1/1/2014 (KFF). Medicaid income limits as of January 2026 (KFF): 138% of the federal poverty level for parents in a family of three, 138% for other adults.
Getting help in Massachusetts
Massachusetts has a state health coverage requirement; your agent confirms how any plan you choose fits it. We help clients by phone and video in Boston, Worcester, Springfield, Cambridge and statewide.
Frequently asked questions
Does Massachusetts use HealthCare.gov?
No. Massachusetts has its own state-based Marketplace, Massachusetts Health Connector (https://www.mahealthconnector.org/), listed by CMS among the State-based Exchanges for plan year 2027.
When is 2027 open enrollment in Massachusetts?
The Massachusetts Health Connector says open enrollment runs through January 23, 2027, and its deadline table shows December 23, 2026 as the enrollment deadline for coverage starting January 1, 2027.
Sources (checked November 11, 2026)
- Massachusetts Health Connector: open enrollment
- Massachusetts Division of Insurance
- KFF State Health Facts, CMS and HealthCare.gov pages, linked beside each figure above
Plan availability and eligibility are determined by the carrier.