Medicare Advantage Plans in Massachusetts 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Massachusetts has about 38 percent Medicare Advantage penetration. The Greater Boston area has many plan options, and the state's regulatory environment is more consumer-protective than most. Several well-known regional plans including Tufts Health Plan and Harvard Pilgrim operate here.
roughly 38%
of beneficiaries in Advantage plans
about 1.3 million
total Medicare beneficiaries
$0–$50
typical monthly premium range
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Massachusetts.
What to Look for in a Massachusetts Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Massachusetts
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Massachusetts
Massachusetts does not follow the federal Medigap plan letter system. Instead, the state offers its own Core plan and Supplement 1 plan. A Massachusetts-licensed agent can explain how these compare to the federal plans offered in other states.
Data note: Plan information is sourced from the U.S. Centers for Medicare and Medicaid Services (CMS). Premiums, coverage, and plan availability change annually. Contact a licensed Medicare agent or visit Medicare.gov for current, binding quotes.