Compare Massachusetts health insurance plans, estimate your subsidy, and understand your options. Free, unbiased, and takes 2 minutes.
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A licensed Massachusetts agent will review your options and help you compare ACA Marketplace plans at no cost to you.
Massachusetts residents enroll through the Massachusetts Health Connector, the state's own health insurance marketplace — not the federal HealthCare.gov site. Missing key deadlines can mean waiting months for coverage.
The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.
Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.
The final day of Open Enrollment. Plans start February 1, 2027. After this, a qualifying life event is required.
Lost coverage? Changed jobs? Moved? Qualifying life events open a 60-day Special Enrollment Period any time of year.
Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium in Massachusetts.
Carrier participation on the Massachusetts ACA Marketplace can change from year to year. A licensed agent can confirm which carriers and plans are available for your ZIP code this enrollment period.
Offers ACA Marketplace plans through the Massachusetts Health Connector with statewide provider network coverage.
Carrier lineups shift by plan year — a licensed agent can confirm exactly which insurers and plans are currently available in your county.
Answers to the most common questions about ACA health insurance in Massachusetts.
Massachusetts runs its own marketplace, the Massachusetts Health Connector (mahealthconnector.org), rather than using the federal HealthCare.gov site. Residents apply for ACA plans and Premium Tax Credits there.
Yes. Massachusetts already had broad coverage under its own 2006 health reform law and formally adopted the ACA's Medicaid (MassHealth) expansion effective January 2014. Residents earning up to 138% of the Federal Poverty Level (about $22,025 for a single person in 2026) may qualify for MassHealth at little or no cost.
Premium Tax Credits are available to residents of Massachusetts earning between 138% and above the FPL. There is no strict upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may qualify. Residents at 100–250% FPL may also qualify for cost-sharing reductions on Silver plans.
Subsidy amounts depend on household income and the benchmark Silver plan cost in your county. A licensed agent can confirm whether any additional state-level assistance programs apply to your household.
Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.
A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.
At the federal level, the individual mandate penalty was reduced to $0 in 2019. Massachusetts does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.
Location and topic-specific guides for Massachusetts health insurance are being added. Check back soon for county- and city-level articles.