With a MoneyGeek score of 84 out of 100, Harvard Pilgrim Health Care offers the best health insurance in Massachusetts, balancing affordability, customer service and coverage. If this provider is unavailable in your area, Blue Cross Blue Shield and UnitedHealthcare also provide excellent coverage options.
Best Health Insurance in Massachusetts
Updated: June 24, 2025
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Key Takeaways
Overall, Harvard Pilgrim Health Care offers the best and most balanced coverage in Massachusetts for health insurance.
Blue Cross Blue Shield of Massachusetts provides the best cheap health insurance in Massachusetts, with Silver-tier plans averaging $425 monthly, where available.
To find the best health insurance in Massachusetts, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Massachusetts
Best Provider | MG Score | Best Plan |
|---|---|---|
Harvard Pilgrim Health Care | 84 | Standard Silver II |
UnitedHealthcare | 75 | Standard Silver: UHC Navigate Silver 2000 II |
Blue Cross Blue Shield of Massachusetts | 75 | Standard Silver: HMO Blue Basic II |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Massachusetts by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
Category | Best Provider |
|---|---|
Young Adults | Harvard Pilgrim Health Care |
Seniors | Harvard Pilgrim Health Care |
PPO | Blue Cross Blue Shield of Massachusetts |
HMO | Harvard Pilgrim Health Care |
EPO | UnitedHealthcare |
Best Massachusetts Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.
Harvard Pilgrim Health Care: Best Overall
pros
Strong reputation and quality ratings
Comprehensive network and coverage options
Best overall for most in Massachusetts
cons
Higher-than-average premium costs
Limited geographic availability and plan options
COMPANY HIGHLIGHTS
Overall, Harvard Pilgrim Health Care was our pick for the best health insurance in Massachusetts due to its comprehensive coverage options and strong provider networks throughout the state. Harvard Pilgrim offers robust benefits, access to top-tier health care systems across Massachusetts, competitive plan designs and reliable claims processing that provide excellent value for Massachusetts residents.
Blue Cross Blue Shield: Best Customer Reputation
pros
Most affordable rates in the state
Highest customer reputation score in Massachusetts
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Blue Cross Blue Shield of Massachusetts stands out for customer service as a trusted local insurer with deep Massachusetts roots and the cheapest health insurance rates in the state. With extensive experience, BCBS provides personalized customer service, responsive claims processing and local market expertise that helps residents navigate their health care coverage throughout the state.
How to Find the Best Health Insurance for You in Massachusetts
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket limits for plans. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates can start at $425 monthly in Massachusetts, depending on your profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Massachusetts Medicare Supplement and best Medicare Advantage plans in Massachusetts if you want to learn more.
Best Health Insurance in Massachusetts: Bottom Line
Overall, our top three picks for Massachusetts health insurance are Harvard Pilgrim Health Care, UnitedHealthcare and Blue Cross Blue Shield of Massachusetts. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Massachusetts Health Insurance: FAQ
Below, we've answered frequently asked questions about the best health insurance in Massachusetts:
What is the best health insurance provider in Massachusetts for 2025?
Harvard Pilgrim Health Care provides the best health insurance in Massachusetts for 2025. However, your best choice will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Massachusetts?
When finding the best health insurance plan, compare premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Massachusetts
To rank health care insurance providers in Massachusetts, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Massachusetts" and "Best Health Insurance in Massachusetts for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Massachusetts," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Massachusetts for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.