Paige Cerulli Last Updated On: September 7, 2023

Find Affordable Health Insurance in Massachusetts

When you and your family have health insurance, you’re better able to get the healthcare you need, when you need it. Health insurance gives you the peace of mind of being able to get care without worrying so much about how you’ll afford it. But finding affordable health insurance in Massachusetts can be overwhelming, especially if you’re just learning about the different types of coverage. But don’t worry – we’ve outlined the must-know details to help you find the insurance plan that’s right for you.

Free Health Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Table of Contents

The Average Cost of Health Insurance in Massachusetts

The average cost of health insurance in Massachusetts varies depending on the plan tier that you choose. Bronze, Silver, Gold, and Platinum tiers are all available. Bronze plans are usually the most affordably priced options, but they have higher deductibles. Gold plans have higher premiums but lower deductibles, so you could potentially save money if you often need healthcare.

 Average Premium for Health Insurance in Massachusetts
Most Affordable Bronze Plan$347
Most Affordable Silver Plan$407
Most Affordable Gold Plan$522

You might be able to save money by choosing an employer-sponsored health insurance plan. The average annual premium in Massachusetts for an employer-sponsored plan is $1,979 pear year.

Other factors like your age, health status, location, and the number of dependents on your policy will also affect your costs. Since the cost of health insurance in Massachusetts can vary so much, getting a personalized quote will give you the most accurate idea of what you’ll pay for health insurance. You can get a free health insurance quote from ConsumerCoverage today.

Types of Massachusetts Health Insurance Plans

The type of plan that you choose can also impact your premiums, coverage, and deductible amounts. We’ve outlined some of the most common types of health insurance in Massachusetts:

  • Health Maintenance Organization (HMO) plans have low premiums and deductibles, but they come with some restrictions. You will be required to have a primary care physician and only in-network care is covered.
  • Preferred Provider Organization (PPO) plans give you more flexibility than an HMO. You can receive out-of-network care and you aren’t required to have a primary care physician. While the plans are more flexible, they also have premiums and deductibles that cost more than an HMO plan.
  • Exclusive Provider Organization (EPO) plans have lower premiums and deductibles, but will only cover the care that you receive from in-network providers. You don’t have to have a primary care physician with an EPO plan.

Free Health Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Cheap Health Insurance Plans in Massachusetts

Massachusetts offers two plans specifically for low-income individuals.

Massachusetts Medicaid

The Massachusetts Medicaid program, MassHealth, is available to low-income or very low-income residents. Single-person households must earn $18,075 or less per year to qualify. MassHealth coverage is also available based on age, parent status, health conditions, HIV and cancer status, and whether an individual works for a small employer or is self-employed.


The Massachusetts ConnectorCare plans are subsidized by the state, so premiums and out-of-pocket costs are lower. To be eligible, Massachusetts residents may earn up to 300% of the Federal Poverty Level, and they can’t have access to affordable health insurance through an employer or qualify for a plan like MassHealth.

Massachusetts Medicare

Older adults and people with disabilities may qualify for Medicare. Medicare is available in four parts, covering expenses like hospitalization, skilled nursing, and vision care.

How to Get Health Insurance in Massachusetts

Shopping around and comparing plan premiums may help you to save money on health insurance in Massachusetts. To start, you can get a free, personalized quote from ConsumerCoverage.

Free Health Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required


Stay Up-to-Date
Subscribe to our newsletter and receive alerts, offers, education, and updates in your inbox.