Best Medicare Supplement Plans in Massachusetts (2026)

Blue Cross Blue Shield, with the lowest rates for the two plans anyone can buy, is the best Massachusetts Medicare Supplement company in our analysis. Supplement 1A costs $212 a month, $28 below the $240 state average, and Core costs $130, $24 below the $154 average.

Among carriers selling new policies, Fallon's $219 Supplement 1A rate is the next-lowest, $7 a month above Blue Cross Blue Shield, and AARP comes third at $227, $15 above.

*These are 2026 Supplement 1A premiums for a 65-year-old in Massachusetts, where every carrier uses community pricing. Rates and coverage details can change, so verify current rates at mass.gov before you enroll. The Centers for Medicare & Medicaid Services sets the Medicare deductibles nationwide. Part A covers hospital stays, and its deductible ($1,736 in 2026) is what you pay per benefit period before Medicare covers hospital costs. Supplement 1A pays it. Part B covers doctor visits and outpatient care, and its deductible ($283 in 2026) is what you pay each year before Medicare pays its 80% share of covered doctor services. Supplement 1A doesn't pay it. Humana stopped selling new Massachusetts Medicare Supplement policies on April 1, 2026, so it isn't ranked.

Your plan type and carrier decide Medigap plan costs in Massachusetts. Supplement 1A covers more of what Medicare leaves unpaid than Core, and on average it costs $86 more a month, or $1,032 a year.

Core doesn't include four coverages that Supplement 1A adds. The first is the Part A hospital deductible: $1,736 per benefit period, which starts when you enter a hospital and ends once you've been out for 60 days in a row.

Supplement 1A also pays the daily skilled nursing facility share Medicare leaves unpaid from day 21 through day 100 of a stay, and it covers emergency care abroad. And it raises inpatient mental health hospital coverage from 60 extra days per calendar year to 120 per benefit period.

If you were eligible for Medicare before January 1, 2020, Supplement 1 also pays the Part B deductible ($283 a year). At Harvard Pilgrim and Tufts, it costs less than Supplement 1A despite the extra coverage: $214 vs. $265 at Harvard Pilgrim and $231 vs. $270 at Tufts.

Note: Only people who became eligible for Medicare before January 1, 2020, can buy Supplement 1. If you became eligible in 2020 or later, you choose between Core and Supplement 1A.

The columns for Age 65 and Age 75 match because of Massachusetts' community pricing rule. Carriers can't charge you more for being older, but they can raise a plan's rate for all members.

Like Minnesota and Wisconsin, Massachusetts standardizes Medigap plans its own way. The other states sell 10 lettered plans (A through N). Massachusetts has three tiers instead, each adding coverage to the one below it. Every carrier covers the same benefits within a tier, so your choice of carrier affects only the price.

Pick the plan type you need first, then choose the carrier with the lowest rate for it and a complaint index below 1.0. Every Massachusetts carrier covers the same benefits within a plan type and charges the same rate at every age, so price and complaint records are the only real differences. If your carrier raises rates later, you can switch during the state’s February to March open enrollment window or in any month another carrier accepts applications.

Every Massachusetts carrier charges one rate per plan, whatever your age or health, and covers the same benefits for each plan type. That leaves the monthly premium as the only figure that differs in the table below, and a higher premium is the carrier's own pricing choice.

*These rates reflect 2026 community pricing in Massachusetts for a 65-year-old, sourced from Medicare.gov. Humana stopped selling new Massachusetts Medicare Supplement policies on April 1, 2026. Its rate is shown for reference only, and existing Humana members can keep their coverage.

If you pick the cheapest carrier instead of the most expensive one, you save $58 a month on Supplement 1A and $48 a month on Core, for legally identical coverage.

Through these government programs, you can get free Medicare Supplement counseling and official Massachusetts rate data.

• SHINE Program: Through Massachusetts' State Health Insurance Assistance Program, trained volunteers with no financial stake in your decision give free, one-on-one Medicare counseling. Call 800-243-4636 or use the SHINE site to find a local counselor.
• Massachusetts Division of Insurance: The division publishes an annual Medicare Supplement comparison document with every licensed carrier's current rates, and it handles consumer complaints about Medigap insurers.
• Medicare.gov Plan Finder: Enter your ZIP code to compare Medigap premiums side by side. For Medicare questions, call 800-MEDICARE (800-633-4227), or if you're hearing-impaired, call the TTY line at 877-486-2048.

Our scores cover the six carriers selling new Massachusetts Medigap policies in 2026, rated on three criteria. Since Humana stopped selling new policies on April 1, 2026, it isn't scored.

Affordability (50%): We used each carrier's monthly Supplement 1A premium for a 65-year-old. With Supplement 1 closed to people new to Medicare since January 1, 2020, Supplement 1A is the most complete plan open to everyone new to Medicare.

The lowest premium, $212, gets a 5 out of 5. Each other carrier scores 5 × $212 ÷ its own premium, so Fallon's $219, for example, scores 4.8.

Pricing style (20%): Pricing methods are scored on long-term stability: Community pricing gets 1.0, issue-age pricing (based on your age when you buy) 0.8 and attained-age pricing (which rises as you age) 0.6. Since Massachusetts requires community pricing, every carrier gets 1.0, or 5 out of 5.

Plan availability (30%): Every carrier scores 5 out of 5, since all six sell Massachusetts' three plan types: Core, Supplement 1A and Supplement 1.

We calculate overall scores from unrounded criterion scores and list carriers with the same rounded score by Supplement 1A premium.