Find Affordable Coverage in Massachusetts
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Massachusetts ACA Marketplace Overview
In 2026, approximately 250,000 Massachusetts residents are enrolled in ACA Marketplace coverage. Massachusetts uses its own state-run exchange for health insurance enrollment.
Massachusetts has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Massachusetts?
The benchmark Silver plan (second-lowest-cost Silver plan) in Massachusetts costs approximately $402/month before subsidies in 2026. However, most Massachusetts residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Massachusetts households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Massachusetts household income.
Top ACA Health Insurance Companies in Massachusetts
The following carriers offer ACA Marketplace plans in Massachusetts for 2026:
- Tufts Health
- Harvard Pilgrim
- Fallon Health
Plan availability varies by county in Massachusetts. Use Massachusetts Health Connector to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Massachusetts
- Bronze: Lowest premiums, highest deductibles. Best for healthy Massachusetts residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Massachusetts households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Massachusetts residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Massachusetts counties.
When to Enroll in Massachusetts
- Open Enrollment: November 1 – January 15 on Massachusetts Health Connector
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Massachusetts Insurance Resources
- Massachusetts Health Connector — Official Massachusetts enrollment portal
- Massachusetts Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit