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Massachusetts Health Connector plans

It's time for a health plan with benefits like common sense

Find the right plan for you based on costs and network.

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Network guide: HMO vs. PPO


  • In-network coverage only
  • Premiums may be lower with HMO plans
  • Your PCP coordinates your care
  • You need referrals for specialty care and certain services

PPO Plus

  • In- and out-of-network coverage
  • Premiums may be higher with PPO plans
  • PCP is recommended but not required
  • No referrals necessary for specialty care

2021 plans

  • Complete plans
    Complete plans provide full access to our world-class HMO or PPO Plus networks. To view PPO Plus cost sharing for out-of-network providers (PCPs and specialists), check plan details.

    (D) = Deductible must be met first, then copayment or coinsurance may apply.
       * = Only available to individuals and families
      ** = Only available to small groups

Information about 2021 rate increases

Read information about 2021 rate increases here.

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