🩺 Health insurance cost in Massachusetts (2026)
The estimated average is $420 per month — below the national average (-25% vs. the U.S. average of $560).
Massachusetts is home to about 7.0 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Boston typically differ from smaller towns.
Estimate your health insurance in Massachusetts
Massachusetts health insurance estimator
Starts from the Massachusetts average. Estimate only — get quotes to confirm.
Health insurance cost in Massachusetts cities
| City | Population | Est. health insurance |
|---|---|---|
| Boston | 650,706 | $433 |
| Worcester | 205,918 | $420 |
| Springfield | 155,929 | $420 |
| Cambridge | 117,090 | $420 |
| Lowell | 115,554 | $420 |
Massachusetts health insurance FAQ
How much is health insurance in Massachusetts?
The estimated average health insurance in Massachusetts is $420 per month, which is below the national average (-25% vs. the U.S. average of $560). Massachusetts ranks 47 of 51 states from most to least expensive.
Why is health insurance cheaper in Massachusetts?
Health insurance pricing in Massachusetts reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on health insurance in Massachusetts?
Compare at least three quotes from insurers active in Massachusetts, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.