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KFF · Nov 3, 2025

Health insurance cost in Massachusetts

The benchmark silver Marketplace plan for a 40-year-old costs $494 a month in Massachusetts in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.

Health insurance cost
$494
a month
A year
$5,928
Rank
7 of 51
1 = cheapest; −21% vs U.S.
StateHealth insurance costRank
Indiana$4745
Idaho$4906
Massachusetts$4947
Nevada$4978
Iowa$5019
U.S.$625-

Source: KFF, Average Marketplace Premiums by Metal Tier, 2018-2026 (Nov 3, 2025). Average benchmark premium (second-lowest-cost silver plan) for a 40-year-old, monthly, before premium tax credits, plan year 2026; county-level benchmarks weighted by county plan selections; may include premiums for non-essential health benefits. Source: KFF analysis of Healthcare.gov, state rate review websites, state plan finder tools and state-provided data.

Common questions

How much is health insurance in Massachusetts?

The benchmark silver Marketplace plan for a 40-year-old costs $494 a month in Massachusetts in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.

Is health insurance in Massachusetts expensive?

Massachusetts ranks 7 of 51 (1 = cheapest). The U.S. average is $625 a month.

Add it to a full month with the budget by state tool.

More for Massachusetts: monthly budget · take-home pay · rent.

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