Best Medicare Supplement Plans in Massachusetts (2026)

AARP is the best Massachusetts Medicare Supplement company in our analysis because it is the only carrier that combines a below-average Supplement 1A rate with an AM Best A (Excellent) financial strength rating from its underwriter. AM Best grades insurers on their long-term ability to pay claims.

At $227 per month for Supplement 1A, AARP prices $13 below the Massachusetts state average of $240. No other carrier in our analysis matches that combination.

Blue Cross Blue Shield prices even lower at $212 per month for Supplement 1A, $28 below the state average, but its underwriter holds AM Best B++ (Good), two grades below AARP's A. On a 20-year policy, choosing AARP over Blue Cross Blue Shield for that higher AM Best grade costs $3,600 more in total premiums.

*These rates reflect Medigap Supplement 1A premiums for a 65-year-old in Massachusetts with community pricing, collected for 2026 enrollment. 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; verify current rates at mass.gov before enrolling. Part A is the Medicare program covering hospital stays. The Part A deductible ($1,736 in 2026) is what you pay per benefit period before Medicare covers hospital costs. Part B is the Medicare program covering doctor visits and outpatient care. The Part B deductible ($283 in 2026) is what you pay annually before Medicare pays its 80% share of covered doctor services.

Medigap plan costs in Massachusetts depend on your plan type and the carrier you choose. Because Supplement 1A covers more Medicare gaps than the Core plan, it costs $86 more per month on average, which adds up to $1,032 more per year.   

Supplement 1A adds three coverages the Core plan does not include. It covers the Part A hospital deductible ($1,736 per admission period, which is the span starting when you enter a hospital and ending 60 days after you leave), the daily share of skilled nursing facility costs Medicare leaves unpaid from day 21 through day 100 of a stay, and emergency care abroad.  

For those who enrolled in Medicare before January 1, 2020, Supplement 1 also covers the Part B deductible ($283 per year). For everyone else, the choice is Core or Supplement 1A.

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.   

In Massachusetts, what you pay at 65 is what you pay at 80, because community pricing prevents carriers from raising rates as you age. In most states, premiums for the same plan increase each year as you get older, so the identical Age 65 and Age 75 columns in the table above show a genuine Massachusetts advantage.   

Choosing Blue Cross Blue Shield for Supplement 1A saves $28 per month over the state average of $240, the largest below-average spread of any carrier in our analysis. For the Core plan, Blue Cross Blue Shield saves $24 per month over the state average of $154.

Massachusetts standardizes Medigap plans differently from most states. Instead of the 10 lettered plans (A through N) sold elsewhere, Massachusetts uses a three-tier system where each tier adds coverage to the one below it, so the plan you choose determines the scope of your coverage and the carrier you choose determines the price of it.

Massachusetts Medicare Supplement shopping is simpler than most states because coverage is standardized by law and premiums don't change with your age, so your only two decisions are which plan type covers your Medicare gaps and which carrier charges the least for it.

Every Massachusetts Medigap carrier charges the same rate for the same plan regardless of your age or health, so when you compare carriers in the table below, the only figure that changes is the monthly premium. Higher premiums in this table reflect the carrier's own pricing decision, not broader coverage or a stronger provider network.

*These rates reflect 2026 community pricing in Massachusetts for a 65-year-old, sourced from Medicare.gov. Standard Medicare deductibles for 2026 are $1,736 for Part A and $283 for Part B, set annually by the Centers for Medicare and Medicaid Services. The 2026 Medicare cost breakdown is available at cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles. Premiums vary by plan type and carrier. Humana stopped accepting new Massachusetts Medicare Supplement applications on April 1, 2026, and existing Humana members remain enrolled. New applicants should compare the remaining six carriers.   

For any plan type in this table, the spread between the lowest and highest carrier rate represents real savings for legally identical coverage. For Supplement 1A, that spread is $58 per month. For the Core plan, it is $48 per month.

Before choosing a carrier, confirm its AM Best financial strength rating at ambest.com. On a policy held for 15 to 20 years, the insurer's long-term financial grade matters as much as today's premium.

These government programs provide free Massachusetts Medicare Supplement counseling and official rate data.

• SHINE Program: Massachusetts' State Health Insurance Assistance Program provides free, one-on-one Medicare counseling from trained volunteers with no financial stake in your coverage decision. Call 800-243-4636 or find a local counselor through the link.
• Massachusetts Division of Insurance: Publishes the annual Medicare Supplement comparison document listing every licensed carrier and their current rates. The 2026 rate filing is at mass.gov/doc/massachusetts-medicare-supplement-information/download. Also processes consumer complaints about Medigap insurers.
• Medicare.gov Plan Finder: Lets you enter your ZIP code and compare Medigap plan premiums side by side. For Medicare questions, call 800-MEDICARE (800-633-4227; TTY line for hearing-impaired callers: 877-486-2048).

We've answered the most frequently asked questions about the best Medicare Supplement plans in Massachusetts:

We scored Massachusetts Medigap insurers on three criteria:

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

Pricing style (20%): Massachusetts requires community pricing. Because no carrier can raise premiums based on age, all carriers receive the same score on this dimension.

Plan availability (30%): All carriers in our analysis offer all three Massachusetts plan types. This dimension applies uniformly because no carrier offers fewer than all three.