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

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• HumanaOne
• Kaiser Pemanente

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Aetna

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

Massachusetts Health Insurance Costs & Nongroup Coverage

How much will it cost?

Your company will set the premiums based on your age, your industry, the participation-rate for your group (doesn't apply to individuals), participation in wellness programs and tobacco use. The company may also base the premium on the benefits of the plan, where you live, the coverage type - i.e. family or single - and the group size.

You can call any of the companies on the list at the end of this guide to learn more about the health plans offered and the premiums you would pay.

What about the nongroup coverage I already have?

If you have a nongroup plan right now, it is guaranteed renewable. This means that the company may not cancel your coverage. However, the company may change the benefits in your plan or may cancel all of the policies in effect for that plan. If it does, it must follow federal guidelines and must get the approval of the Division of Insurance.

You should check with your carrier to see if your plan meets the minimum creditable coverage requirements. If it does not, you may want to switch to another plan to avoid a state tax penalty.