Best Medicare Advantage Plans in Massachusetts for 2027
Every general-audience Medicare Advantage plan with drug coverage in Massachusetts, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Massachusetts plans, ranked
Showing all 61 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Medicare HMO Blue ValueRx (HMO)Blue Cross Blue Shield of Massachusetts · HMO10 of 14 counties · drug deductible $500Preventive dental · eyewear $100/yr | $68 | $3,750 | $4,566 | 4.5★ |
| 2 | Fallon Medicare Plus Blue (HMO)Fallon Health · HMO3 of 14 counties · drug deductible $0Dental · eyewear $150/yr | $117 | $3,400 | $4,804 | 4★ |
| 3 | Tufts Medicare Preferred HMO Basic Rx (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $65 | $4,500 | $5,280 | 4★ |
| 4 | Tufts Medicare Preferred HMO Basic Rx (HMO)Tufts Health Plan · HMO5 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $82 | $4,500 | $5,484 | 4★ |
| 5 | Tufts Medicare Preferred HMO Value Rx (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $108 | $4,200 | $5,496 | 4★ |
| 6 | Tufts Medicare Preferred HMO Prime Rx (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $0eyewear $150/yr | $138 | $3,850 | $5,506 | 4★ |
| 7 | Tufts Medicare Preferred HMO Basic Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $85 | $4,500 | $5,520 | 4★ |
| 8 | Medicare HMO Blue FlexRx (HMO-POS)Blue Cross Blue Shield of Massachusetts · HMO-POS10 of 14 counties · drug deductible $500Preventive dental · eyewear $100/yr | $119 | $4,100 | $5,528 | 4.5★ |
| 9 | Tufts Medicare Preferred HMO Basic Rx (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $88 | $4,500 | $5,556 | 4★ |
| 10 | Fallon Medicare Plus Blue (HMO)Fallon Health · HMO6 of 14 counties · drug deductible $0Dental · eyewear $150/yr | $185 | $3,400 | $5,620 | 4★ |
| 11 | Fallon Medicare Plus Blue (HMO)Fallon Health · HMO2 of 14 counties · drug deductible $0Dental · eyewear $150/yr | $192 | $3,400 | $5,704 | 4★ |
| 12 | Mass General Brigham Advantage Secure (HMO-POS)Mass General Brigham Health Plan · HMO-POS9 of 14 counties · drug deductible $700Dental up to $800/yr · eyewear $200/yr · OTC items $120/yr | $60 | $5,000 | $5,720 | 3.5★ |
| 13 | Tufts Medicare Preferred HMO Prime Rx Plus (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $0eyewear $150/yr | $158 | $3,850 | $5,746 | 4★ |
| 14 | Fallon Medicare Plus Blue (HMO)Fallon Health · HMO1 of 14 counties · drug deductible $0Dental · eyewear $150/yr | $217 | $3,400 | $6,004 | 4★ |
| 15 | Tufts Medicare Preferred HMO Prime Rx (HMO)Tufts Health Plan · HMO5 of 14 counties · drug deductible $0eyewear $150/yr | $214 | $3,850 | $6,418 | 4★ |
| 16 | Tufts Medicare Preferred HMO Value Rx (HMO)Tufts Health Plan · HMO5 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $185 | $4,200 | $6,420 | 4★ |
| 17 | Tufts Medicare Preferred HMO Value Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $190 | $4,200 | $6,480 | 4★ |
| 18 | Tufts Medicare Preferred HMO Prime Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $0eyewear $150/yr | $224 | $3,850 | $6,538 | 4★ |
| 19 | HumanaChoice Giveback H5216-477 (PPO)Humana · PPO5 of 14 counties · drug deductible $700Part B giveback $48/mo · Dental · eyewear $100/yr | $0−$48 Part B giveback | $7,150 | $6,574 | 4★ |
| 20 | Mass General Brigham Advantage Plus (HMO-POS)Mass General Brigham Health Plan · HMO-POS9 of 14 counties · drug deductible $700Dental up to $1,000/yr · eyewear $250/yr · OTC items $260/yr | $180 | $4,500 | $6,660 | 3.5★ |
| 21 | HumanaChoice Giveback H5216-138 (PPO)Humana · PPO6 of 14 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4★ |
| 22 | HumanaChoice Giveback H7617-046 (PPO)Humana · PPO4 of 14 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4.5★ |
| 23 | Tufts Medicare Preferred HMO Value Rx (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $200Dental up to $1,000/yr · eyewear $150/yr | $207 | $4,200 | $6,684 | 4★ |
| 24 | Medicare HMO Blue PlusRx (HMO)Blue Cross Blue Shield of Massachusetts · HMO11 of 14 counties · drug deductible $500Preventive dental · eyewear $100/yr | $245 | $3,800 | $6,740 | 4.5★ |
| 25 | HumanaChoice H5216-249 (PPO)Humana · PPO5 of 14 counties · drug deductible $350Dental up to $1,000/yr · eyewear $150/yr | $0 | $6,750 | $6,750 | 4★ |
| 26 | Tufts Medicare Preferred HMO Prime Rx (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $0eyewear $150/yr | $244 | $3,850 | $6,778 | 4★ |
| 27 | Fallon Medicare Plus Green (HMO)Fallon Health · HMO3 of 14 counties · drug deductible $300Dental · eyewear $150/yr · OTC items $175/yr | $72 | $6,000 | $6,864 | 4★ |
| 28 | Tufts Medicare Preferred HMO Prime Rx Plus (HMO)Tufts Health Plan · HMO5 of 14 counties · drug deductible $0eyewear $150/yr | $252 | $3,850 | $6,874 | 4★ |
| 29 | Fallon Medicare Plus Green (HMO)Fallon Health · HMO6 of 14 counties · drug deductible $300Dental · eyewear $150/yr · OTC items $175/yr | $83 | $6,000 | $6,996 | 4★ |
| 30 | AARP Medicare Advantage from UHC MA-0003 (HMO-POS)UnitedHealthcare · HMO-POS6 of 14 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 31 | AARP Medicare Advantage from UHC MA-0003 (HMO-POS)UnitedHealthcare · HMO-POS4 of 14 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 32 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO5 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 33 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 34 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS6 of 14 counties · drug deductible $700Preventive dental · eyewear $100/yr · OTC items $60/yr | $0 | $7,150 | $7,150 | 3★ |
| 35 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS2 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 36 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO5 of 14 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 37 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 38 | Mass General Brigham Advantage Core (HMO-POS)Mass General Brigham Health Plan · HMO-POS9 of 14 counties · drug deductible $700Preventive dental · eyewear $150/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 39 | Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO5 of 14 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4★ |
| 40 | Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO4 of 14 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4★ |
| 41 | Health New England Medicare Plus (HMO)Health New England Medicare Advantage Plans · HMO4 of 14 counties · drug deductible $350Dental up to $500/yr · eyewear $150/yr · OTC items $200/yr | $138 | $5,500 | $7,156 | 3★ |
| 42 | Tufts Medicare Preferred HMO Prime Rx Plus (HMO)Tufts Health Plan · HMO2 of 14 counties · drug deductible $0eyewear $150/yr | $280 | $3,850 | $7,210 | 4★ |
| 43 | Health New England Medicare Premium (HMO)Health New England Medicare Advantage Plans · HMO4 of 14 counties · drug deductible $350Dental up to $550/yr · eyewear $150/yr · OTC items $200/yr | $188 | $5,000 | $7,256 | 3★ |
| 44 | Fallon Medicare Plus Green (HMO)Fallon Health · HMO1 of 14 counties · drug deductible $300Dental · eyewear $150/yr · OTC items $175/yr | $105 | $6,000 | $7,260 | 4★ |
| 45 | Health New England Medicare Select (HMO)Health New England Medicare Advantage Plans · HMO3 of 14 counties · drug deductible $490Dental up to $500/yr · eyewear $150/yr · OTC items $180/yr | $80 | $6,500 | $7,460 | 3★ |
| 46 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $60 | $6,750 | $7,470 | 4★ |
| 47 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO5 of 14 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr | $79 | $6,750 | $7,698 | 4★ |
| 48 | Medicare PPO Blue PlusRx (PPO)Blue Cross Blue Shield of Massachusetts · PPO11 of 14 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,700/yr per ear | $300 | $4,200 | $7,800 | 4★ |
| 49 | Medicare PPO Blue ValueRx (PPO)Blue Cross Blue Shield of Massachusetts · PPO8 of 14 counties · drug deductible $500Dental up to $575/yr · eyewear $100/yr · hearing aids $1,700/yr per ear | $108 | $6,600 | $7,896 | 4★ |
| 50 | AARP Medicare Advantage from UHC MA-0006 (PPO)UnitedHealthcare · PPO4 of 14 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $67 | $7,150 | $7,954 | 4★ |
| 51 | AARP Medicare Advantage from UHC MA-0006 (PPO)UnitedHealthcare · PPO6 of 14 counties · drug deductible $685eyewear $100/yr · hearing aids $700/yr | $75 | $7,150 | $8,050 | 4★ |
| 52 | Health New England Medicare Compass (PPO)Health New England Medicare Advantage Plans · PPO3 of 14 counties · drug deductible $490Dental up to $500/yr · eyewear $125/yr · OTC items $180/yr | $64 | $8,150 | $8,918 | 3★ |
| 53 | Health New England Medicare Value (HMO)Health New England Medicare Advantage Plans · HMO3 of 14 counties · drug deductible $490Dental up to $500/yr · eyewear $125/yr · OTC items $180/yr | $15 | $9,000 | $9,180 | 3★ |
| 54 | Medicare HMO Blue SaverRx (HMO-POS)Blue Cross Blue Shield of Massachusetts · HMO-POS10 of 14 counties · drug deductible $500Dental up to $575/yr · eyewear $100/yr · OTC items $100/yr | $0 | $9,200 | $9,200 | 4.5★ |
| 55 | Health New England Medicare Standard (HMO)Health New England Medicare Advantage Plans · HMO1 of 14 counties · drug deductible $490Dental up to $500/yr · eyewear $125/yr · OTC items $180/yr | $44 | $9,000 | $9,528 | 3★ |
| 56 | Tufts Medicare Preferred PPO RX (PPO)Tufts Health Plan · PPO9 of 14 counties · drug deductible $700 | $220 | $7,150 | $9,790 | 3.5★ |
| 57 | Fallon Medicare Plus Orange (HMO)Fallon Health · HMO6 of 14 counties · drug deductible $595Dental · eyewear $150/yr | $0 | $9,850 | $9,850 | 4★ |
| 58 | Fallon Medicare Plus Orange (HMO)Fallon Health · HMO3 of 14 counties · drug deductible $595Dental · eyewear $150/yr | $0 | $9,850 | $9,850 | 4★ |
| 59 | Fallon Medicare Plus Orange (HMO)Fallon Health · HMO1 of 14 counties · drug deductible $595Dental · eyewear $150/yr | $0 | $9,850 | $9,850 | 4★ |
| 60 | Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $700Dental up to $500/yr | $0 | $9,850 | $9,850 | 4★ |
| 61 | Medicare PPO Blue EssentialRx (PPO)Blue Cross Blue Shield of Massachusetts · PPO10 of 14 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,700/yr per ear | $69 | $9,850 | $10,678 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 15 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO5 of 14 countiesPart B giveback $123/mo · Dental up to $2,000/yr · eyewear $250/yr | $0−$123 Part B giveback | $4,950 | $3,474 | 4★ |
| 2 | Health New England Medicare Premium No Rx (HMO)Health New England Medicare Advantage Plans · HMO4 of 14 countiesDental up to $2,000/yr · eyewear $100/yr · OTC items $400/yr | $44 | $4,500 | $5,028 | 3★ |
| 3 | Tufts Medicare Preferred HMO Basic No Rx (HMO)Tufts Health Plan · HMO1 of 14 countiesDental up to $1,000/yr · eyewear $150/yr | $50 | $4,500 | $5,100 | 4★ |
| 4 | Tufts Medicare Preferred HMO Basic No Rx (HMO)Tufts Health Plan · HMO2 of 14 countiesDental up to $1,000/yr · eyewear $150/yr | $58 | $4,500 | $5,196 | 4★ |
| 5 | Health New England Medicare Basic No Rx (HMO)Health New England Medicare Advantage Plans · HMO4 of 14 countiesDental up to $1,500/yr · eyewear $100/yr · OTC items $400/yr | $0 | $5,500 | $5,500 | 3★ |
| 6 | Tufts Medicare Preferred HMO Value No Rx (HMO)Tufts Health Plan · HMO5 of 14 countiesDental up to $1,000/yr · eyewear $150/yr | $133 | $4,200 | $5,796 | 4★ |
| 7 | Fallon Medicare Plus Saver No Rx (HMO)Fallon Health · HMO12 of 14 countiesPart B giveback $75/mo · Dental · eyewear $150/yr · OTC items $250/yr | $0−$75 Part B giveback | $6,700 | $5,800 | 4★ |
| 8 | Tufts Medicare Preferred HMO Prime No Rx (HMO)Tufts Health Plan · HMO5 of 14 countieseyewear $150/yr | $163 | $3,850 | $5,806 | 4★ |
| 9 | AARP Medicare Advantage Patriot No Rx MA-MA2 (HMO-POS)UnitedHealthcare · HMO-POS10 of 14 countiesPart B giveback $110/mo · Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$110 Part B giveback | $7,150 | $5,830 | 4★ |
| 10 | Tufts Medicare Preferred HMO Value No Rx (HMO)Tufts Health Plan · HMO1 of 14 countiesDental up to $1,000/yr · eyewear $150/yr | $142 | $4,200 | $5,904 | 4★ |
| 11 | Tufts Medicare Preferred HMO Prime No Rx (HMO)Tufts Health Plan · HMO1 of 14 countieseyewear $150/yr | $182 | $3,850 | $6,034 | 4★ |
| 12 | Tufts Medicare Preferred HMO Value No Rx (HMO)Tufts Health Plan · HMO2 of 14 countiesDental up to $1,000/yr · eyewear $150/yr | $153 | $4,200 | $6,036 | 4★ |
| 13 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO7 of 14 countiesPart B giveback $90/mo · Dental up to $2,000/yr · eyewear $300/yr · OTC items $360/yr | $0−$90 Part B giveback | $7,150 | $6,070 | 4★ |
| 14 | Tufts Medicare Preferred HMO Prime No Rx (HMO)Tufts Health Plan · HMO2 of 14 countieseyewear $150/yr | $186 | $3,850 | $6,082 | 4★ |
| 15 | AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO)UnitedHealthcare · PPO10 of 14 countiesPart B giveback $60/mo · Dental up to $1,500/yr · eyewear $125/yr · hearing aids $700/yr | $0−$60 Part B giveback | $7,150 | $6,430 | 4★ |
Not ranked: eternalHealth Forever (HMO), eternalHealth Freedom (PPO), eternalHealth Give Back (PPO) (CMS lists these plans as under sanction).
County pages
Barnstable County · Berkshire County · Bristol County · Essex County · Hampden County · Hampshire County · Middlesex County · Norfolk County · Plymouth County · Suffolk County · Worcester County
Questions
How many Medicare Advantage plans are available in Massachusetts for 2027?
CMS lists 61 general-audience Medicare Advantage plans with drug coverage in Massachusetts for 2027, from 8 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Massachusetts?
Yes. 20 of the 61 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Massachusetts Medicare Advantage plan has the lowest worst-case cost?
Medicare HMO Blue ValueRx (HMO) from Blue Cross Blue Shield of Massachusetts: $68 a month with an in-network out-of-pocket maximum of $3,750, so at most about $4,566 in premiums and in-network costs for the year. It is offered in 10 of 14 counties.
Which Massachusetts Medicare Advantage plans have 4 or more stars?
49 of the 61 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Massachusetts Medicare Advantage plans have a Part B giveback?
3 of the 61 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $48 a month, from HumanaChoice Giveback H5216-477 (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Massachusetts?
The median in-network out-of-pocket maximum among these plans is $6,500. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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