Cheapest Medigap Plans in Massachusetts
Massachusetts doesn’t sell the lettered Medigap plans. It has its own three: Core, Supplement 1 and Supplement 1A. Each covers the same benefits whichever insurer sells it, so we rank every insurer on the state’s list by its yearly premium for each plan.
What these rates are. Monthly premiums from the Massachusetts Division of Insurance list, one premium per insurer and plan: the guide doesn’t show different rates by age or sex. Where the list shows an old and a new rate, we rank the one in effect now and note the other. Every insurer listed offers continuous open enrollment. Source: the Massachusetts Division of Insurance, updated December 29, 2025. The list says some rates may change during the year, so treat this as a shortlist and get quotes.
What each plan covers
| Benefit | Core | Supplement 1 | Supplement 1A |
|---|---|---|---|
| Part A hospital coinsurance and 365 extra lifetime hospital days | Yes | Yes | Yes |
| Part B coinsurance (usually 20% of the approved amount) | Yes | Yes | Yes |
| First 3 pints of blood | Yes | Yes | Yes |
| Part A hospital deductible | No | Yes | Yes |
| Skilled nursing facility coinsurance | No | Yes | Yes |
| Part B deductible | No | Yes | No |
| Medicare-covered care while traveling abroad | No | Yes | Yes |
| Mental health hospital days beyond Medicare’s 190-day lifetime limit | 60 days a calendar year | 120 days a benefit period | 120 days a benefit period |
From the plan comparison on page 1 of the Division of Insurance list. Supplement 1 is only for people eligible for Medicare before January 1, 2020.
Supplement 1A, ranked
The fullest plan anyone new to Medicare can buy: it adds the Part A deductible, skilled nursing coinsurance and foreign travel to the basic benefits, but not the Part B deductible.
| # | Insurer | Monthly | Yearly |
|---|---|---|---|
| 1 | Blue Cross Blue Shield of Massachusetts (Medex)rates effective January 1, 2026Was $212.23 a month through December 31, 2025Optional preventive care benefits rider: $2.88 a month extra | $233.24 | $2,798.88 |
| 2 | Fallon Health & Life Assurance Companyrates effective January 1, 2026Was $218.70 a month through December 31, 2025 | $240.35 | $2,884.20 |
| 3 | Tufts Insurance Companyrates effective January 1, 2026Was $230.50 a month through December 31, 2025Optional dental rider: $38.00 a month extra | $253.55 | $3,042.60 |
| 4 | HNE Insurance Companyrates effective January 1, 2026Was $231.00 a month through December 31, 2025 | $254 | $3,048 |
| 5 | HPHC Insurance Companyrates effective January 1, 2026Was $231.00 a month through December 31, 2025 | $254.10 | $3,049.20 |
Core, ranked
Basic benefits only. You pay the Part A and Part B deductibles and skilled nursing facility coinsurance yourself.
| # | Insurer | Monthly | Yearly |
|---|---|---|---|
| 1 | Blue Cross Blue Shield of Massachusetts (Medex)rates effective January 1, 2026Was $129.81 a month through December 31, 2025Optional preventive care benefits rider: $2.88 a month extra | $142.64 | $1,711.68 |
| 2 | Tufts Insurance Companyrates effective January 1, 2026Was $152.50 a month through December 31, 2025Optional dental rider: $38.00 a month extra | $167.75 | $2,013 |
| 3 | HNE Insurance Companyrates effective January 1, 2026Was $158.00 a month through December 31, 2025 | $173 | $2,076 |
| 4 | HPHC Insurance Companyrates effective January 1, 2026Was $161.00 a month through December 31, 2025 | $177.10 | $2,125.20 |
| 5 | Fallon Health & Life Assurance Companyrates effective January 1, 2026Was $178.00 a month through December 31, 2025 | $195.50 | $2,346 |
Supplement 1, ranked
Supplement 1A plus the Part B deductible. Only for people eligible for Medicare before January 1, 2020; the guide notes that moving from Supplement 1 to Supplement 1A may be restricted.
| # | Insurer | Monthly | Yearly |
|---|---|---|---|
| 1 | Blue Cross Blue Shield of Massachusetts (Medex)rates effective January 1, 2026Was $269.49 a month through December 31, 2025Only for people eligible for Medicare before January 1, 2020Optional preventive care benefits rider: $2.88 a month extra | $288.55 | $3,462.60 |
| 2 | Tufts Insurance Companyrates effective January 1, 2026Was $269.50 a month through December 31, 2025Only for people eligible for Medicare before January 1, 2020Optional dental rider: $38.00 a month extra | $296.45 | $3,557.40 |
| 3 | HNE Insurance Companyrates effective January 1, 2026Was $273.00 a month through December 31, 2025Only for people eligible for Medicare before January 1, 2020 | $300 | $3,600 |
| 4 | HPHC Insurance Companyrates effective January 1, 2026Was $286.50 a month through December 31, 2025Only for people eligible for Medicare before January 1, 2020 | $315.15 | $3,781.80 |
| 5 | Fallon Health & Life Assurance Companyrates effective January 1, 2026Was $298.00 a month through December 31, 2025Only for people eligible for Medicare before January 1, 2020 | $327.25 | $3,927 |
Plans with membership or eligibility limits
These insurers appear on the Massachusetts list but aren’t open to every new applicant, so we list their published premiums instead of ranking them.
| Insurer | Core | Supplement 1 | Supplement 1A | Why not ranked |
|---|---|---|---|---|
| HNE Insurance Company (through a former employer’s retiree marketplace)rates effective January 1, 2026 | $173 a month | $300 a month | $254 a month | Through a former employer’s contracted retiree marketplace (AON Hewitt or Towers Watson) |
| Humana Benefit of Illinoisrates effective June 1, 2025 | $165.14 a month | $283.03 a month | $235.91 a month | No longer sold to new customers after March 31, 2026 (guide footnote 3) |
| Transamerica Life Insurance Companyrates effective December 1, 2025 | $157.07 a month | $271.68 a month | $243.43 a month | Group plan for members of the American Medical Association (AMA) or the American Institute of Certified Public Accountants (AICPA) |
| UnitedHealthcare Insurance Company (AARP)rates effective June 1, 2026 | $194.25 a month | $349 a month | $271.75 a month | AARP membership |
How we rank
We take each insurer’s monthly premium for each plan straight from the Massachusetts list and multiply by 12 to get the yearly cost. Where the list shows an old and a new rate, we use the one in effect now and note the other under the insurer. Lower ranks higher; ties go to the insurer’s name. We don’t estimate, round or adjust any premium. Optional riders (Blue Cross’s preventive care rider, Tufts’s dental rider) are noted, not added. Full methodology.
Before you buy: get a written quote from the insurer and check Medicare.gov’s Medigap policy search. Every insurer on the list offers continuous open enrollment. Massachusetts’s State Health Insurance Assistance Program (SHINE) gives free, unbiased help.
Questions
Why doesn’t Massachusetts have Medigap Plan G or Plan N?
Massachusetts is one of three states (with Minnesota and Wisconsin) that standardized Medigap before the federal lettered plans, so it sells its own plans instead: Core, Supplement 1 and Supplement 1A. Each plan covers the same benefits from every insurer.
What is the cheapest Medigap Supplement 1A plan in Massachusetts?
In the Massachusetts Division of Insurance list (updated December 29, 2025), the lowest Supplement 1A premium from an insurer open to all applicants is Blue Cross Blue Shield of Massachusetts (Medex), $233.24 a month ($2,798.88 a year). Supplement 1A covers the Part A deductible but not the Part B deductible.
What is the cheapest Medigap Core plan in Massachusetts?
Blue Cross Blue Shield of Massachusetts (Medex), $142.64 a month ($1,711.68 a year). Core pays the basic benefits only, so you pay the Part A and Part B deductibles and skilled nursing facility coinsurance yourself.
Can I buy Supplement 1 in Massachusetts?
Only if you were eligible for Medicare before January 1, 2020. Supplement 1 also covers the Part B deductible, which federal law no longer lets new Medigap policies cover. The lowest Supplement 1 premium on the list is Blue Cross Blue Shield of Massachusetts (Medex), $288.55 a month ($3,462.60 a year).
Where do these Massachusetts Medigap rates come from?
From the Massachusetts Division of Insurance: “Medicare Supplement Plans Offered in Massachusetts 2026” (updated December 29, 2025). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Monthly premiums from the Massachusetts Division of Insurance list, one premium per insurer and plan: the guide doesn’t show different rates by age or sex. Where the list shows an old and a new rate, we rank the one in effect now and note the other. Every insurer listed offers continuous open enrollment.
Sources
Rates exactly as published by the state (updated December 29, 2025).
- Massachusetts Division of Insurance, “Medicare Supplement Plans Offered in Massachusetts 2026” (updated December 29, 2025) — mass.gov.
- CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
Educational information, not a recommendation to buy any policy. 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. Insurers don’t pay to be listed or ranked. · Advertiser disclosure
Keep going
- Massachusetts Medigap rules and shopper’s guide →
- How the lettered Medigap plans compare →
- Best Part D drug plans in Massachusetts →
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