• Aetna
• Blue Cross and Blue Shield
• Harvard Pilgrim Health Care

Click for more options

• HumanaOne
• Kaiser Permanente

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Aetna

Click for more options

• Blue Cross and Blue Shield
• Humana
• Tufts Health Plan
• Universal American

Massachusetts Health Insurance Options for Small Businesses

I am the owner of a small business, what is available to me?

You can buy a health plan for your small business directly from a company or through the Connector.

Directly from a Company

Several companies in Massachusetts offer health plans directly to small groups. You can call the company to learn more about the health plans they offer. This list shows the names and phone numbers of insurers that offer health plans to small groups.

All of the health plans that are offered to individuals must also be offered to small groups. However, the carrier may have more requirements for a small group. The small group may need to have a certain percentage of eligible employees join the plan. Also, the small group may need to go through an intermediary if it has fewer than 6 eligible employees. An intermediary handles enrollment and collects premiums for the insurance company. See the list (link to list) of insurance companies to see the ones that require the use of an intermediary.

Through the Commonwealth Health Connector

The Connector also offers the Commonwealth Choice plans to small groups. Commonwealth Choice has a range of health plans offered by several different carriers. The employer chooses one of three benefit levels (gold, silver or bronze) and the employees are able to choose any one of the plans within that benefit level offered by any of the carriers. The Commonwealth Choice plans have the Connector Seal of Approval. This certifies that the plans are a good value. Go to www.mahealthconnector.org or call 1-877-623-6765 to learn more about the Commonwealth Choice plans.

Through a Producer (Broker or Agent)

Producers (also called brokers or agents) may also assist you in selecting and enrolling with a health plan. A Massachusetts producer must be licensed by the Commonwealth of Massachusetts in order to sell, solicit or negotiate insurance. Your premiums will not be higher if you buy a health plan through a licensed producer.