Best Medicare Supplement Plans in Massachusetts (2026)

Key Takeaways

At $227 per month, AARP offers the best Medicare Supplement plans for Plan 1A policies in Massachusetts.

Medigap Supplement 1A averages $240 monthly in Massachusetts, with premiums ranging from $212 to $270 across carriers.

Community pricing keeps premiums identical across ages, so 65-year-olds and 75-year-olds pay the same monthly rate.

Check what each plan covers and what it leaves out. Getting quotes from several insurers lets you compare costs and find the best match for your budget.

Best Medicare Supplement Plan Companies in Massachusetts

AARP is MoneyGeek's top pick for Medicare Supplement plans in Massachusetts, with average monthly premiums of $227 and strong scores for coverage and nationwide availability. For other options, Blue Cross Blue Shield, Humana, Fallon Health and Harvard Pilgrim are also worth comparing.


Blue Cross Blue Shield	$212	$1,736	$283	4.0
Humana	$218	$1,736	$283	4.0
Fallon Health and Life Assurance Company Inc.	$219	$1,736	$283	3.9
AARP	$227	$1,736	$283	4.8
Health New England	$231	$1,736	$283	3.8
Harvard Pilgrim Health Care Inc.	$265	$1,736	$283	3.6
Tufts Insurance Company	$270	$1,736	$283	3.5

*These rates reflect Medigap Supplement Plan 1A premiums for a 65-year-old in Massachusetts with community pricing. Medicare Part A and Part B deductibles are set by the Centers for Medicare & Medicaid Services and apply nationwide for 2026. Premium rates and coverage details are subject to change.

AARP

MoneyGeek Rating

4.8/ 5

4.7/5Affordability

5/5Pricing Style

5/5Plan Availability

Monthly Cost
$227
Plan Types Available
Core, Plan 1A and Plan 1

pros
- Covers Medicare coinsurance and out-of-pocket costs like deductibles and copayments
- Accepted nationwide wherever Medicare is accepted
- Plan 1A includes foreign travel emergency coverage
- Sells Core, Supplement 1 and Supplement 1A plans in Massachusetts
cons
- Plan options vary in what deductibles and benefits they cover
- Requires AARP membership to enroll
AARP Medicare Supplement Insurance Plans (insured by UnitedHealthcare) cover costs Original Medicare doesn't pay. AARP offers all three Massachusetts plan types: Core ($162 monthly), Supplement 1 ($292 monthly) and Supplement 1A ($227 monthly). These plans cover Part A hospital coinsurance for 365 days after Medicare benefits end, Part B coinsurance (20% of approved costs), the first three pints of blood annually and hospice coinsurance or copayments.

Depending on your plan choice, you'll also get coverage for the Medicare Part A deductible ($1,736), Part B deductible ($283), skilled nursing facility coinsurance and foreign travel emergency care. Massachusetts uses community pricing, so your premium stays the same regardless of age.

Compare Best Medicare Supplement Companies in Massachusetts

Monthly premiums vary across Massachusetts Medicare Supplement carriers, even for identical coverage. Massachusetts uses community pricing, meaning carriers can't raise your rate based on age or health status. Compare rates by plan type and provider below.

Data filtered by:


Blue Cross Blue Shield	$130	$-24	Medigap Core Plan	65	No
Harvard Pilgrim Health Care Inc.	$149	$-5	Medigap Core Plan	65	No
Humana	$153	$-1	Medigap Core Plan	65	No
Tufts Insurance Company	$153	$-1	Medigap Core Plan	65	No
Health New England	$158	$4	Medigap Core Plan	65	No
AARP	$162	$8	Medigap Core Plan	65	No
Fallon Health and Life Assurance Company Inc.	$178	$24	Medigap Core Plan	65	No

*These Medicare Supplement rates reflect 2026 community pricing in Massachusetts. Standard Medicare deductibles ($1,736 for Part A, $283 for Part B) are set by the Centers for Medicare & Medicaid Services and apply across all carriers. Premiums vary by plan type and insurance company you choose.

How Much Does a Medicare Supplement Plan Cost in Massachusetts?

In Massachusetts, Medigap Supplement 1A averages $240 monthly and the Core Plan runs $154 monthly. The state uses community pricing, so age doesn't affect your rate. A 75-year-old pays the same $240 as a 65-year-old for Supplement 1A. Rates still vary by carrier, though. The gap between the lowest- and highest-cost Plan 1A options in the state is $98 per month.


Medigap Core Plan	$154	$154
Medigap Supplement 1A Plan	$240	$240
Medigap Supplement 1 Plan	$252	$252

Note: Supplement 1 Plan is only available if you became eligible for Medicare before January 1, 2020. Those eligible in 2020 or later must choose Core or Supplement 1A.

How to Find the Best Massachusetts Medicare Supplement Company

Picking a Medicare Supplement carrier takes more than comparing monthly premiums. Look at customer satisfaction ratings, financial strength and added benefits alongside price. Because Massachusetts uses community pricing, your rate won't change with age, so service quality and coverage options matter more here than in most states.

1
Customer Satisfaction and Complaints
Check customer satisfaction ratings to narrow down your options. Insurance companies often score lower than other industries, so resources like J.D. Power and the NAIC can show which providers respond to complaints well.
2
Plan Pricing
Don't just look at the monthly premium. Compare costs against each company's customer service record and financial strength ratings. You want coverage you can afford from an insurer that'll be there when you need to file a claim.
3
Added Benefits
Some insurers include extras like product discounts or gym memberships. When two plans are priced similarly, these perks can tip the decision.

Massachusetts Medicare Supplement Plan Comparison Chart

Massachusetts offers three standardized Medigap plans (Core, Supplement 1 and Supplement 1A) that differ from the A-N plans sold in other states. The Core plan covers Part A coinsurance, Part B coinsurance and blood transfusions. Supplement 1A adds the Part A deductible ($1,736), skilled nursing facility coverage and foreign travel emergency care. If you became eligible for Medicare on or after January 1, 2020, you can't purchase Supplement 1, which is the only plan covering the Part B deductible.


Core	Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Part B coinsurance (20% of Medicare-approved amount) Part A hospice care coinsurance or copayment	Blood (first 3 pints) Inpatient days in mental health hospitals (60 additional days per calendar year)
Supplement 1	Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Part B coinsurance (20% of Medicare-approved amount) Part A hospice care coinsurance or copayment Skilled nursing facility coinsurance (days 21-100: $217 per day)	Part A deductible ($1,736 per benefit period) Part B deductible ($283 annually) Blood (first 3 pints) Foreign travel emergency (Medicare-covered services needed while traveling abroad) Inpatient days in mental health hospitals (120 additional days per benefit period)
Supplement 1A	Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Part B coinsurance (20% of Medicare-approved amount) Part A hospice care coinsurance or copayment Skilled nursing facility coinsurance (days 21-100: $217 per day)	Part A deductible ($1,736 per benefit period) Blood (first 3 pints) Foreign travel emergency (Medicare-covered services needed while traveling abroad) Inpatient days in mental health hospitals (120 additional days per benefit period)

Best Medigap Plans in Massachusetts: Bottom Line

In Massachusetts, AARP scores highest among Medicare Supplement providers with a 4.8 MoneyGeek rating and $227 monthly premium for Plan 1A. You'll pay anywhere from $212 to $270 depending on which carrier you choose. Massachusetts community pricing locks in your rate regardless of age, so a 75-year-old pays the same amount as someone who just turned 65. Shop around and compare quotes to find the right coverage for your budget.

Medicare Supplement Plans in Massachusetts: FAQ

Below, we've provided our team's expert answers to frequently asked questions about the best Medicare Supplement plans in Massachusetts:

Which is the best Medicare Supplement provider in Massachusetts?

AARP scores highest for Massachusetts Medicare Supplement coverage with a 4.8 MoneyGeek rating and $227 monthly premium for Plan 1A. Blue Cross Blue Shield ($212 monthly) and Humana ($218 monthly) also rank well. Compare quotes from multiple carriers to match your budget and coverage needs.

Who is the largest Medicare Supplement provider in Massachusetts?

AARP Medicare Supplement Insurance Plans (insured by UnitedHealthcare) serves as the largest Medicare Supplement provider in Massachusetts with nationwide availability. UnitedHealthcare's extensive network means your coverage works anywhere Medicare is accepted across all 50 states. Seven carriers sell Medigap plans in Massachusetts, giving you multiple options.

What is the cost of Medicare Supplement plans in Massachusetts?

Massachusetts Medicare Supplement plans average $154 monthly for Core coverage, $240 monthly for Supplement 1A and $252 monthly for Supplement 1. Plan 1A premiums range from $212 to $270 depending on your carrier. Massachusetts community pricing means your rate stays the same regardless of age or health status.

What is the downside to Medicare Supplement plans?

Medicare Supplement plans don't cover prescription drugs, requiring separate Part D coverage. Premiums range from $212 to $270 monthly in Massachusetts, adding cost to Medicare. Some plans don't cover Part A or Part B deductibles. AARP requires membership to enroll. Plan availability depends on when you became Medicare-eligible.

How We Decided the Best Medicare Supplement Companies in Massachusetts

Massachusetts standardizes Medigap plans differently than most states. Instead of the traditional lettered plans (A through N), you'll choose between the Core plan and Supplement 1 or 1A plans. We designed our research to identify which insurers offer the best value within Massachusetts' unique three-plan system.

How We Scored Providers

We evaluated Massachusetts Medigap insurers using three factors that determine your long-term costs and coverage flexibility:

Affordability (50%): Monthly premiums represent your biggest ongoing expense in retirement. Insurers with lower average monthly costs score highest since these payments continue for life.

Pricing style (20%): Massachusetts is one of the few states that requires community-based pricing for Medigap plans. Everyone pays the same rate regardless of age, providing the most predictable costs throughout retirement. Insurers using community-based pricing score highest.

Plan availability (30%): Massachusetts offers three standardized Medigap options: Core plan, Supplement 1 plan and Supplement 1A plan. Insurers offering all three plans score highest since more plan choices give you flexibility to match coverage to your specific healthcare needs and budget.

Sample Consumer Profile

All monthly premiums reflect rates for a 65-year-old Massachusetts resident. We collected pricing data across all available Medigap plans from insurers operating in Massachusetts to identify which companies offer the best combination of affordability, pricing stability and plan options.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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