State guide
Health Insurance in Massachusetts
Health insurance in Massachusetts is available through Massachusetts Health Connector, the state-based marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 2.5% of Massachusetts's roughly 7.0 million residents are uninsured. Massachusetts expanded Medicaid, so low-income adults may qualify for free or low-cost coverage. Prices and plan choice vary across the state's 14 counties, so where you live matters. Use the guides below to find the right lane for your situation.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
Key facts
Massachusetts, at a glance.
- Marketplace
- Massachusetts Health Connector
- State-based enrollment platform
- Medicaid expansion
- Adopted
- Low-income adults may qualify for Medicaid.
- Uninsured rate
- ~2.5%
- Approximate share of residents without coverage (KFF/Census).
- Counties
- 14
- Plan availability and pricing vary by county.
- Population
- ~7.0M
- U.S. Census estimate.
Approximate figures from the sources listed at the end of this page.
Open enrollment 2027
When Massachusetts can enroll.
- Opens
- Oct 23, 2026
- Fri
- For Jan 1 coverage
- Check the exchange
- Massachusetts Health Connector sets this date
- Last day to enroll
- Jan 23, 2027
- Sat
Massachusetts runs its own exchange. These dates come from a secondary source (healthinsurance.org, Aug 2026). Confirm with Massachusetts Health Connector before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
Coverage lanes
Explore in Massachusetts.
- ACA Marketplace plansSubsidy-eligible major-medical plans sold on the exchange.
- Health sharingNot insuranceMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is open enrollment for 2027 coverage in Massachusetts?
Massachusetts runs its own exchange, Massachusetts Health Connector. Open Enrollment for 2027 coverage runs Oct 23, 2026 to Jan 23, 2027, according to a secondary source; confirm the dates with Massachusetts Health Connector. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times of year.
Where do I buy health insurance in Massachusetts?
Massachusetts residents enroll through Massachusetts Health Connector. You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
Is Medicaid available in Massachusetts?
Yes. Because Massachusetts expanded Medicaid, adults under a certain income may qualify regardless of family status. Eligibility is based on income and household size.
How much does health insurance cost in Massachusetts?
It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many Massachusetts enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- KFF (Kaiser Family Foundation) — health policy research · reviewed 2026-01-15
- U.S. Census Bureau — health insurance coverage data · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
Ready to see plans in Massachusetts?
A licensed advisor can walk through the options where you live. Free, no obligation.
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