2027 Health Insurance Rates

In accordance with the provisions of 211 CMR 66.08(3)(e), and in order to ensure that insurance rates are fair to consumers, the Division of Insurance reviews and seeks public comment on the rates requested by health insurance carriers.

The following tables depict the proposed overall weighted average premium increase and the key assumptions behind premium development for the merged (individual and small employer) market filed by insurance carriers as part of the Massachusetts Division of Insurance rate review process (for rates effective in 2027). This information is subject to change as the rate review process continues. 

The Health Care Access Bureau within the Massachusetts Division of Insurance is currently reviewing these assumptions. This review process will culminate in a final decision in August 2026.

Merged Market Summary for Proposed Rates Effective for 2027

The Average Rate Change represents adjustments to reflect benefit changes in renewing plans and it reflects plans that have been terminated and mapped to existing plan offerings.  This weighted average rate change represents the average rate change consumers will experience before changes due to age.

Carrier	Annual Weighted Average Base Rate Change	Renewing Enrollees - 2027 Total
Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc.	15.3%	166,384
Boston Medical Center Health Plan, Inc.	11.9%	140,089
Fallon Community Health Plan, Inc.	25.7%	29,641
Harvard Pilgrim Health Care, Inc.	6.7%	79,318
Health New England, Inc.	11.1%	23,143
Mass General Brigham Health Plan, Inc.	13.5%	78,878
Tufts Health Public Plans, Inc.	11.8%	160,566
United Healthcare Insurance Company	14.2%	19,829
Average / Total	12.9%	697,848

CY2027 Rate Summary Tables

Carrier Rate Filing Summaries (Explanations)

Blue Cross and Blue Shield of Massachusetts HMO Blue, Inc. 

Public Summary

• Public Summary (Narrative)

Exhibit for Public Release

• Exhibit for Public Release Table 2027
• BCBSMA Exhibit for Public Release Graph 2027

Plan and Benefit Templates

• Plan and Benefit Template 1
• Plan and Benefit Template 2 
• Plan and Benefit Template 3
• Plan and Benefit Template 4

Boston Medical Center Health Plan, Inc. (d/b/a WellSense Health Plan)

Public Summary

• Public Summary (narrative)

Exhibit for Public Release

• Exhibit for Public Release Table and Graph for 2027 

Plan and Benefit Templates

• Plan and Benefit Template 1
• Plan and Benefit Template 2 

Fallon Community Health Plan, Inc.

Public Summary (Narrative)

• Public Summary (Narrative)

Exhibit for Public Release

• Exhibit for Public Release Table and Graph for 2027

Plan and Benefit Templates

• Plan and Benefit Template 1
• Plan and Benefit Template 2
• Plan and Benefit Template 3
• Plan and Benefit Template 4

Harvard Pilgrim Health Care, Inc.  

Public Summary (Narrative)

• Public Summary (Narrative) 

Exhibit for Public Release

• Exhibit for Public Release Table for 2027
• Exhibit for Public Release Graph for 2027

Plan and Benefit Templates

• Plan and Benefit Template 1
• Plan and Benefit Template 2
• Plan and Benefit Template 3
• Plan and Benefit Template 4

Health New England, Inc.  

Public Summary (Narrative)

• Public Summary (Narrative)

Exhibit for Public Release

• Exhibit for Public Release Table for 2027 

Plan and Benefit Templates

• Plan and Benefit Template 1
• Plan and Benefit Template 2
• Plan and Benefit Template 3
• Plan and Benefit Template 4

Mass General Brigham Health Plan, Inc.

Public Summary (Narrative)

• Public Summary (Narrative)

Exhibit for Public Release

• Exhibit for Public Release Table and Graph for 2027 

Plan and Benefit Templates

• Plan and Benefit Template 1
• Plan and Benefit Template 2 
• Plan and Benefit Template 3
• Plan and Benefit Template 4

Tufts Health Public Plans, Inc.   

Public Summary (Narrative)

• Public Summary (Narrative)

Exhibit for Public Release

• Exhibit for Public Release Table for 2027 
• Exhibit for Public Release Graph for 2027

Plan and Benefit Templates

• Plan and Benefit Template 1 
• Plan and Benefit Template 2

UnitedHealthcare Insurance Company

Public Summary (Narrative)

• Public Summary (Narrative)

Exhibit for Public Release

• Exhibit for Public Release Table for 2027
• Exhibit for Public Release Graph for 2027

Plan and Benefit Templates

• Plan and Benefit Template 1
• Plan and Benefit Template 2
• Plan and Benefit Template 3
• Plan and Benefit Template 4

Prior Merged Market Rate Changes

Merged Market Annual Rate Change 2025-2026

Public Information Session

In accordance with the provisions of 211 CMR 66.08(3)(e), health insurance carriers will present their proposed merged market health insurance rates for 2027 at a public information session held on June 16, 2026.

The relevant filing materials for each carrier can be reviewed in the section titled Carrier Rate Filing Summaries.