Medicare and group coverage in Massachusetts.
Massachusetts has its own marketplace and its own rules, so advice written for the rest of the country often gets this state wrong. Here is what you can get help with here — and the one thing you cannot.
What we do in Massachusetts: Medicare, plans for a small team, life and burial cover, retirement, dental and vision. Buying your own health plan here happens at the state’s own Massachusetts Health Connector. Ask us first and you get a straight yes or no in five minutes.
What you can get in Massachusetts
Medicare, small-business group health, life and final expense, retirement, dental and vision, and accident or hospital indemnity. All of it statewide — Boston, Worcester, Springfield, Cambridge, Lowell, Brockton, New Bedford, Quincy, Lynn and Fall River — and all of it by phone, text, email or video, in English or Spanish.
Buying your own plan in Massachusetts
Massachusetts runs its own marketplace, the Massachusetts Health Connector, and individual and family marketplace plans in this state are bought straight through it. If that is what brought you here, ask us first — we will tell you whether you are in the right place before you start, and that costs nothing.
Medicare in Massachusetts
For the 2027 plan year there are 9 Medicare plans from 5 insurance companies available in Hampden County. What is on offer changes from one county to the next, so the number where you live may look nothing like that one — the plan finder prices your own ZIP, your own doctors and your own prescriptions.
Turning 65 in Massachusetts works the way it does everywhere: a window opens three months before the month you turn 65 and closes three months after it. Missing it can cost money for as long as you hold the coverage, which is why the date matters more than the plan does at first.
If a letter says your MassHealth is ending
That letter starts a clock. Losing MassHealth opens a special enrollment window — typically 60 days — and it counts from the date printed on the letter, not the day you opened it.
Where it goes from there depends on your age. If you are 65 or older, or on Medicare already, that is a conversation worth having here. If you need an individual or family plan instead, the Health Connector is where that is done, and the same 60-day clock applies there.
Coverage for a Massachusetts business
Coverage for a small team is available across Massachusetts, and the useful moment to look at it is a few months before renewal rather than the week it lands. Dental, vision and accident or hospital indemnity can sit alongside it for a team, or be bought on their own.
Common Massachusetts questions
Can you help me buy my own health plan in Massachusetts?
No. Individual and family marketplace coverage in Massachusetts is bought through the Massachusetts Health Connector, which the state runs itself. Medicare, small-group, life, final expense, retirement, dental, vision and accident or hospital indemnity are all written in Massachusetts.
How many Medicare plans are available in Massachusetts?
It depends on your county. For the 2027 plan year there are 9 Medicare plans from 5 insurance companies available in Hampden County. Other counties differ, sometimes considerably, so the figure that matters is the one for your own ZIP code.
My MassHealth is ending. What are my options?
Losing MassHealth opens a special enrollment window, typically 60 days counted from the date printed on the letter. If you are 65 or older, or already on Medicare, that is a conversation we can have. For an individual or family plan, the Health Connector is where that is done, on the same clock.
Start with your own situation, not the state average.
Say what changed — a letter, a birthday, a renewal, a premium — and you get a straight answer about what Massachusetts actually allows you to do about it.