Compare 2026 health insurance in Massachusetts. The Health Connector, ConnectorCare, top carriers, and a Massachusetts-licensed agent — free.
We are not a Massachusetts state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Massachusetts pioneered the model the ACA was built on and runs its own marketplace, the Health Connector — not HealthCare.gov. About 392,000 people are in the state's individual market. Its ConnectorCare program stretches subsidized coverage up to 500% of the poverty line, higher than most states, so many middle-income households who'd be priced out elsewhere still qualify for help here.
The 2026 individual market is unusually deep: Blue Cross Blue Shield of Massachusetts, WellSense, Fallon, Harvard Pilgrim, Health New England, Mass General Brigham Health Plan, Tufts Health, and UnitedHealthcare. Care in Boston splits among Mass General Brigham, Beth Israel Lahey, Boston Medical Center, and Tufts Medicine; Worcester runs on UMass Memorial, and Springfield on Baystate. No plan carries every system, so the network is the choice.
We're licensed in Massachusetts and enroll people directly through the Health Connector. Below is how coverage and ConnectorCare work here, plus the metros and situations we help with most — the self-employed, families, and early retirees paying their own way.
Massachusetts runs its own exchange, the Health Connector, on its own platform — not HealthCare.gov — with 2026 enrollment open into late January.
Massachusetts expanded Medicaid (MassHealth), and its ConnectorCare program subsidizes marketplace coverage for incomes up to 500% of the poverty line — well above the usual cutoff — layered on top of the Medicaid floor.
These companies offer individual and family health plans in Massachusetts. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
No. Massachusetts runs its own marketplace, the Health Connector, on its own platform. We're licensed in Massachusetts and enroll you there directly, at no extra cost, and can also show you private off-exchange options it doesn't list.
ConnectorCare is the state's extra-subsidized tier, and for 2026 it reaches incomes up to 500% of the poverty line — higher than most states. Many middle-income households qualify. We'll check your exact income to see whether you land in it.
No. Massachusetts requires health plans to be guaranteed-issue, so short-term policies aren't sold here. For a coverage gap we'll look at a Health Connector plan or a special enrollment period instead.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.