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Health Insurance Plans in Massachusetts
We are in the process of adding Massachusetts Obamacare plans, which are eligible for a subsidy to reduce costs. The plans shown may or may not be eligible for a subsidy.
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| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| Tufts Health Direct Catastrophic by Tufts Health Public Plans Inc. | Off | Catastrophic | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| HMO 6000 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO HSA 4000 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Bronze | $4,000 / $8,000 | $8,000 / $16,000 | Price & Details | |
| Complete HMO 2850 by Mass General Brigham Health Plan | Off | Bronze | $2,850 / $5,700 | $9,200 / $18,400 | Price & Details | |
| Standard High Bronze HSA: UHC Navigate HSA Bronze 3600 by UnitedHealthcare | Off | Bronze | $3,600 / $7,200 | $8,000 / $16,000 | Price & Details | |
| UHC Navigate HSA Bronze 3600-3 by UnitedHealthcare | Off | Bronze | $3,600 / $7,200 | $8,000 / $16,000 | Price & Details | |
| Complete PPO Plus 5000 30/45 with Care Complement by Mass General Brigham Health Plan | Off | Bronze | $5,000 / $10,000 | $8,500 / $17,000 | Price & Details | |
| Complete HMO 5000 30/45 with Care Complement by Mass General Brigham Health Plan | Off | Bronze | $5,000 / $10,000 | $8,500 / $17,000 | Price & Details | |
| PPO Access HSA 5000 - Flex by HPHC Insurance Company Inc. | Off | Bronze | $5,000 / $10,000 | $8,050 / $16,100 | Price & Details | |
| Complete PPO Plus 4000 35/45 ER750 10% with Care Complement by Mass General Brigham Health Plan | Off | Bronze | $4,000 / $8,000 | $9,000 / $18,000 | Price & Details | |
| Complete HMO 4000 35/45 ER750 10% with Care Complement by Mass General Brigham Health Plan | Off | Bronze | $4,000 / $8,000 | $9,000 / $18,000 | Price & Details | |
| UHC Choice Plus HSA Bronze 6700-2 by UnitedHealthcare | Off | Bronze | $6,700 / $13,400 | $8,200 / $16,400 | Price & Details | |
| Select HMO 2850 by Mass General Brigham Health Plan | Off | Bronze | $2,850 / $5,700 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus HSA 4000 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Bronze | $4,000 / $8,000 | $8,000 / $16,000 | Price & Details | |
| Standard High Bronze HSA: WellSense Clarity Bronze 3600 by WellSense Health Plan | Off | Bronze | $3,600 / $7,200 | $8,000 / $16,000 | Price & Details | |
| HMO HSA 4000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Bronze | $4,000 / $8,000 | $8,050 / $16,100 | Price & Details | |
| Standard High Bronze HSA - Flex by Harvard Pilgrim Health Care Inc. | Off | Bronze | $3,600 / $7,200 | $8,000 / $16,000 | Price & Details | |
| Non-Standard Bronze: HMO 3500 Flex by Harvard Pilgrim Health Care Inc. | Off | Bronze | $3,500 / $7,000 | $8,500 / $17,000 | Price & Details | |
| HMO HSA 4000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Bronze | $4,000 / $8,000 | $8,050 / $16,100 | Price & Details | |
| HMO 6000 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access HSA 5000 - Flex by HPHC Insurance Company Inc. | Off | Bronze | $5,000 / $10,000 | $8,050 / $16,100 | Price & Details | |
| Standard High Bronze: Tufts Health Direct Bronze 2850 by Tufts Health Public Plans Inc. | Off | Bronze | $2,850 / $5,700 | $9,200 / $18,400 | Price & Details | |
| HMO 4000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $4,000 / $8,000 | $9,200 / $18,400 | Price & Details | |
| HMO 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| HMO HSA 3400 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,400 / $6,800 | $8,050 / $16,100 | Price & Details | |
| HMO HSA 3400 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,400 / $6,800 | $8,050 / $16,100 | Price & Details | |
| Focus HMO 3000 by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| HMO 5000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO 2500 30/55/500 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO 2500 15%/35% with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| UHC Choice Silver 5500-1 by UnitedHealthcare | Off | Silver | $5,500 / $11,000 | $9,100 / $18,200 | Price & Details | |
| HMO 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| UHC NexusACO R Silver 6000-2 by UnitedHealthcare | Off | Silver | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| UHC Choice Silver 4750-2 by UnitedHealthcare | Off | Silver | $4,750 / $9,500 | $9,200 / $18,400 | Price & Details | |
| HMO HSA 2000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $8,050 / $16,100 | Price & Details | |
| PPO Access 4000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $4,000 / $8,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access 4000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $4,000 / $8,000 | $9,200 / $18,400 | Price & Details | |
| UHC Navigate HSA Silver 2000-3 by UnitedHealthcare | Off | Silver | $2,000 / $4,000 | $7,050 / $14,100 | Price & Details | |
| UHC NexusACO R Silver 3500-4 by UnitedHealthcare | Off | Silver | $3,500 / $7,000 | $9,200 / $18,400 | Price & Details | |
| UHC Choice Plus HSA Silver 4500-2 by UnitedHealthcare | Off | Silver | $4,500 / $9,000 | $8,200 / $16,400 | Price & Details | |
| Complete PPO Plus 3500 45/75 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,500 / $7,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO 2000 25/60 II by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access 1500 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Select HMO 2000 25/60 II by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Complete Access EPO 3000 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO 2000 25/60 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO 2000 25/60 by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus 3000 40/55/500 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus 2500 15%/35% with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| UHC Navigate Silver 2000-3 by UnitedHealthcare | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access 2000 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access 2000 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access HSA 2000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $7,050 / $14,100 | Price & Details | |
| Complete PPO Plus 2000 30/60 ER1000 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| UHC Choice Plus HSA Silver 4000-2 by UnitedHealthcare | Off | Silver | $4,000 / $8,000 | $8,200 / $16,400 | Price & Details | |
| HMO HSA 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $8,050 / $16,100 | Price & Details | |
| Complete HMO HSA 3600 35/50/600 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $3,600 / $7,200 | $7,250 / $14,500 | Price & Details | |
| HMO 5000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Choice Easy Tier HMO 2500 15%/35% with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO HSA 3000 35/50/450 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $7,250 / $14,500 | Price & Details | |
| Complete HMO 3500 45/75 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,500 / $7,000 | $9,200 / $18,400 | Price & Details | |
| HMO HSA 2500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,500 / $5,000 | $8,050 / $16,100 | Price & Details | |
| HMO 4000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $4,000 / $8,000 | $9,200 / $18,400 | Price & Details | |
| HMO HSA 2500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,500 / $5,000 | $8,050 / $16,100 | Price & Details | |
| Complete HMO HSA 2500 30/45/450 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $7,250 / $14,500 | Price & Details | |
| Complete HMO 3000 40/55/500 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access HSA 3400 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,400 / $6,800 | $8,050 / $16,100 | Price & Details | |
| HMO 2000 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HMO 2000 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access HSA 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $8,050 / $16,100 | Price & Details | |
| Standard Low Silver HSA - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $7,050 / $14,100 | Price & Details | |
| Standard Silver by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access HSA 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $8,050 / $16,100 | Price & Details | |
| UHC NexusACO R Silver 5000-2 by UnitedHealthcare | Off | Silver | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Complete HMO HSA 3000 ER 350 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $7,500 / $15,000 | Price & Details | |
| UHC Choice Plus Silver 4000-2 by UnitedHealthcare | Off | Silver | $4,000 / $8,000 | $9,100 / $18,200 | Price & Details | |
| Standard High Silver: WellSense Clarity Silver 2000 II by WellSense Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Standard High Silver: Tufts Health Direct Silver 2000 by Tufts Health Public Plans Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Choice Easy Tier HMO 2500 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access HSA 3400 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,400 / $6,800 | $8,050 / $16,100 | Price & Details | |
| PPO Access 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| UHC Navigate Silver 4500-2 by UnitedHealthcare | Off | Silver | $4,500 / $9,000 | $9,200 / $18,400 | Price & Details | |
| Focus HMO HSA 3400 by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,400 / $6,800 | $7,000 / $14,000 | Price & Details | |
| Focus HMO HSA 3400 by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,400 / $6,800 | $7,000 / $14,000 | Price & Details | |
| Standard Silver: Tufts Health Direct Silver 2000 II by Tufts Health Public Plans Inc. | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Focus HMO 3000 by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| HMO HSA 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $8,050 / $16,100 | Price & Details | |
| Choice Easy Tier HMO 3000 45/55 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| Complete Access EPO HSA 3000 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $7,250 / $14,500 | Price & Details | |
| Complete HMO HSA 2000 30/60 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $7,050 / $14,100 | Price & Details | |
| HMO HSA 2000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $2,000 / $4,000 | $8,050 / $16,100 | Price & Details | |
| UHC Choice Plus Silver 6500-2 by UnitedHealthcare | Off | Silver | $6,500 / $13,000 | $9,100 / $18,200 | Price & Details | |
| UHC Choice HSA Silver 3500-1 by UnitedHealthcare | Off | Silver | $3,500 / $7,000 | $6,950 / $13,900 | Price & Details | |
| Complete HMO 2000 30/60 ER1000 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus HSA 3600 35/50/600 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $3,600 / $7,200 | $7,500 / $15,000 | Price & Details | |
| UHC Choice Plus HSA Silver 3000-2 by UnitedHealthcare | Off | Silver | $3,000 / $6,000 | $7,300 / $14,600 | Price & Details | |
| Choice Easy Tier PPO Plus 3000 45/55 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access 3000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| Choice Easy Tier PPO Plus 2500 15%/35% with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus HSA 3000 35/50/450 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $7,250 / $14,500 | Price & Details | |
| Complete PPO Plus HSA 2500 30/45/450 Enhanced FlexRx by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $7,250 / $14,500 | Price & Details | |
| Complete PPO Plus 2500 30/55/500 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| PPO Access 1500 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Silver | $1,500 / $3,000 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus 2000 25/60 by Mass General Brigham Health Plan | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Standard Silver: UHC Navigate Silver 2000 II by UnitedHealthcare | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Standard Low Silver HSA: Tufts Health Direct Silver 2000 HSA by Tufts Health Public Plans Inc. | Off | Silver | $2,000 / $4,000 | $7,050 / $14,100 | Price & Details | |
| Allies Choice HMO 3000 40/55/500 with Care Complement by Mass General Brigham Health Plan | Off | Silver | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| Non-Standard Low Gold: UHC Navigate Gold 2000 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $6,250 / $12,500 | Price & Details | |
| UHC NexusACO R Gold 3000-2 by UnitedHealthcare | Off | Gold | $3,000 / $6,000 | $6,800 / $13,600 | Price & Details | |
| Standard High Gold: WellSense Clarity Gold 1000 by WellSense Health Plan | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| Focus HMO 2500 by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,500 / $5,000 | $7,000 / $14,000 | Price & Details | |
| Focus HMO 1500 by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| HMO 2500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,500 / $5,000 | $7,000 / $14,000 | Price & Details | |
| Complete HMO 1000 10%/30% with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $9,000 / $18,000 | Price & Details | |
| UHC Choice Gold 2000-2 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Focus HMO 1000 by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,000 / $2,000 | $7,000 / $14,000 | Price & Details | |
| UHC Navigate Gold 2000-3 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $6,250 / $12,500 | Price & Details | |
| UHC Navigate Gold 1500-2 by UnitedHealthcare | Off | Gold | $1,500 / $3,000 | $9,000 / $18,000 | Price & Details | |
| HMO 2000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| UHC Choice Gold 2500-2 by UnitedHealthcare | Off | Gold | $2,500 / $5,000 | $8,700 / $17,400 | Price & Details | |
| UHC Choice Plus Gold 5000-2 by UnitedHealthcare | Off | Gold | $5,000 / $10,000 | $8,500 / $17,000 | Price & Details | |
| HMO 2000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| UHC NexusACO R Gold 1250-2 by UnitedHealthcare | Off | Gold | $1,250 / $2,500 | $6,500 / $13,000 | Price & Details | |
| UHC Choice Gold 1000-2 by UnitedHealthcare | Off | Gold | $1,000 / $2,000 | $7,500 / $15,000 | Price & Details | |
| UHC Choice Gold 0-2 by UnitedHealthcare | Off | Gold | $0 / $0 | $8,700 / $17,400 | Price & Details | |
| PPO Access 2000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| Choice Easy Tier PPO Plus 2000 25/45 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HMO 500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $500 / $1,000 | $7,000 / $14,000 | Price & Details | |
| PPO Access 500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $500 / $1,000 | $7,000 / $14,000 | Price & Details | |
| Select HMO 1000 20/40 by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| UHC NexusACO R Gold 2000-4 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| HMO 1500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| Choice Easy Tier HMO 1000 25/50 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $9,200 / $18,400 | Price & Details | |
| UHC Choice Gold 2000-6 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $8,000 / $16,000 | Price & Details | |
| Complete Access EPO 2000 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $2,000 / $4,000 | $9,000 / $18,000 | Price & Details | |
| UHC Choice Gold 1000-4 by UnitedHealthcare | Off | Gold | $1,000 / $2,000 | $7,500 / $15,000 | Price & Details | |
| PPO Access 2500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,500 / $5,000 | $7,000 / $14,000 | Price & Details | |
| Complete HMO 1500 25/50 ER350 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,500 / $3,000 | $9,000 / $18,000 | Price & Details | |
| UHC Choice Plus Gold 1000-2 by UnitedHealthcare | Off | Gold | $1,000 / $2,000 | $8,000 / $16,000 | Price & Details | |
| UHC Choice Plus HSA Gold 2000-2 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $4,500 / $9,000 | Price & Details | |
| HMO 1000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,000 / $2,000 | $7,000 / $14,000 | Price & Details | |
| HMO 1000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,000 / $2,000 | $7,000 / $14,000 | Price & Details | |
| Complete HMO 1000 25/50/350 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $9,000 / $18,000 | Price & Details | |
| UHC Choice Plus Gold 1500-1 by UnitedHealthcare | Off | Gold | $1,500 / $3,000 | $7,500 / $15,000 | Price & Details | |
| UHC Choice Plus HSA Gold 2000-4 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| Standard High Gold by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| PPO Access 2000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| PPO Access 1500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| PPO Access 1500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| PPO Access 1000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,000 / $2,000 | $7,000 / $14,000 | Price & Details | |
| Standard High Gold: UHC Choice Gold 1000-3 by UnitedHealthcare | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| Standard High Gold: UHC Navigate Gold 1000 by UnitedHealthcare | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| Complete PPO Plus 1500 25/50 ER350 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,500 / $3,000 | $9,000 / $18,000 | Price & Details | |
| Complete PPO Plus 1000 25/50/350 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $9,000 / $18,000 | Price & Details | |
| PPO Access 500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $500 / $1,000 | $7,000 / $14,000 | Price & Details | |
| Complete PPO Plus 500 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $500 / $1,000 | $9,000 / $18,000 | Price & Details | |
| Focus HMO 2500 by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,500 / $5,000 | $7,000 / $14,000 | Price & Details | |
| Standard High Gold: Tufts Health Direct Gold 1000 by Tufts Health Public Plans Inc. | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| HMO 2500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,500 / $5,000 | $7,000 / $14,000 | Price & Details | |
| UHC Navigate Gold 2000-2 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HMO 1500 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $8,700 / $17,400 | Price & Details | |
| Focus HMO 2000 by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| Non-Standard Low Gold: HMO 2000 Value II - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,000 / $4,000 | $5,650 / $11,300 | Price & Details | |
| Choice Easy Tier HMO 2000 25/45 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Focus HMO 1000 by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,000 / $2,000 | $7,000 / $14,000 | Price & Details | |
| Non-Standard Low Gold: Tufts Health Direct Gold 1600 by Tufts Health Public Plans Inc. | Off | Gold | $1,600 / $3,200 | $5,500 / $11,000 | Price & Details | |
| Non-Standard Low Gold: WellSense Clarity Gold1500 by WellSense Health Plan | Off | Gold | $1,500 / $3,000 | $5,250 / $10,500 | Price & Details | |
| Focus HMO 2000 by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,000 / $4,000 | $7,000 / $14,000 | Price & Details | |
| Focus HMO 1500 by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| Complete HMO 1000 35% by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $7,800 / $15,600 | Price & Details | |
| UHC Navigate Gold 3000-2 by UnitedHealthcare | Off | Gold | $3,000 / $6,000 | $9,200 / $18,400 | Price & Details | |
| HMO 1500 Value - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $8,700 / $17,400 | Price & Details | |
| Choice Easy Tier HMO 1500 25/50 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,500 / $3,000 | $9,200 / $18,400 | Price & Details | |
| UHC Choice Gold 3000-2 by UnitedHealthcare | Off | Gold | $3,000 / $6,000 | $7,000 / $14,000 | Price & Details | |
| UHC Choice Plus Gold 3000-2 by UnitedHealthcare | Off | Gold | $3,000 / $6,000 | $7,500 / $15,000 | Price & Details | |
| UHC Choice Gold 2000-4 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| HMO 1500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,500 / $3,000 | $7,000 / $14,000 | Price & Details | |
| Complete HMO 2000 25/40 ER450 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $2,000 / $4,000 | $9,000 / $18,000 | Price & Details | |
| UHC Choice Plus Gold 2000-3 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $7,500 / $15,000 | Price & Details | |
| UHC Choice Plus Gold 2000-2 by UnitedHealthcare | Off | Gold | $2,000 / $4,000 | $8,000 / $16,000 | Price & Details | |
| PPO Access 2500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $2,500 / $5,000 | $7,000 / $14,000 | Price & Details | |
| Choice Easy Tier HMO 500 25/45 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $500 / $1,000 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus 1000 10%/30% with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $9,000 / $18,000 | Price & Details | |
| Complete HMO 500 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $500 / $1,000 | $9,000 / $18,000 | Price & Details | |
| HMO 500 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $500 / $1,000 | $7,000 / $14,000 | Price & Details | |
| Choice Easy Tier PPO Plus 1500 25/50 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,500 / $3,000 | $9,200 / $18,400 | Price & Details | |
| Complete PPO Plus 2000 25/40 ER450 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $2,000 / $4,000 | $9,000 / $18,000 | Price & Details | |
| Complete HMO 1000 20/40 by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| Standard High Gold: UHC Choice Plus Gold 0-3 by UnitedHealthcare | Off | Gold | $1,000 / $2,000 | $6,000 / $12,000 | Price & Details | |
| PPO Access 1000 - Flex by Harvard Pilgrim Health Care Inc. | Off | Gold | $1,000 / $2,000 | $7,000 / $14,000 | Price & Details | |
| Choice Easy Tier PPO Plus 1000 25/50 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $9,200 / $18,400 | Price & Details | |
| Choice Easy Tier PPO Plus 500 25/45 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $500 / $1,000 | $9,200 / $18,400 | Price & Details | |
| Allies Choice HMO 1000 25/50/350 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,000 / $2,000 | $9,000 / $18,000 | Price & Details | |
| Allies Choice HMO 2000 20/40/400 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $2,000 / $4,000 | $9,000 / $18,000 | Price & Details | |
| Allies Choice HMO 1500 25/50 ER350 with Care Complement by Mass General Brigham Health Plan | Off | Gold | $1,500 / $3,000 | $9,000 / $18,000 | Price & Details | |
| UHC Choice Plus Platinum 500-1 by UnitedHealthcare | Off | Platinum | $500 / $1,000 | $3,000 / $6,000 | Price & Details | |
| HMO 20 - Flex by Harvard Pilgrim Health Care Inc. | Off | Platinum | $0 / $0 | $2,500 / $5,000 | Price & Details | |
| PPO Access 20 - Flex by Harvard Pilgrim Health Care Inc. | Off | Platinum | $0 / $0 | $2,500 / $5,000 | Price & Details | |
| Complete HMO 20/40 with Care Complement by Mass General Brigham Health Plan | Off | Platinum | $0 / $0 | $3,500 / $7,000 | Price & Details | |
| Standard Platinum - Flex by Harvard Pilgrim Health Care Inc. | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details | |
| Select HMO 20/40 by Mass General Brigham Health Plan | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details | |
| UHC Navigate Platinum 1000-2 by UnitedHealthcare | Off | Platinum | $1,000 / $2,000 | $4,000 / $8,000 | Price & Details | |
| UHC Choice Plus Platinum 0-2 by UnitedHealthcare | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details | |
| UHC Navigate Platinum 0-3 by UnitedHealthcare | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details | |
| PPO Access 20 - Flex by Harvard Pilgrim Health Care Inc. | Off | Platinum | $0 / $0 | $2,500 / $5,000 | Price & Details | |
| Standard Platinum: WellSense Clarity Platinum 0 Deductible by WellSense Health Plan | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details | |
| Standard Platinum: Tufts Health Direct Platinum by Tufts Health Public Plans Inc. | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details | |
| HMO 20 - Flex by Harvard Pilgrim Health Care Inc. | Off | Platinum | $0 / $0 | $2,500 / $5,000 | Price & Details | |
| Standard Platinum: UHC Navigate Platinum 0 by UnitedHealthcare | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details | |
| Complete HMO 20/40 by Mass General Brigham Health Plan | Off | Platinum | $0 / $0 | $3,000 / $6,000 | Price & Details |
Help with Obamacare & Off-Exchange Plans Sign Up
After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.
Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.
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Learn More About Obamacare and Off-Exchange Plans in Massachusetts
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan