Medicare Advantage plans in Massachusetts for 2027
Regional nonprofits dominate: Point32Health alone files 27 of the 76 open plans, and most Massachusetts plans are rated four stars or better.
Middlesex, Massachusetts: plans open to everyone on Parts A and B
30 plans
8 with a $0 premium and drug coverage · out-of-pocket limits $3,400 to $9,850 · best rating 4.5★ · 11 plan IDs of 2026 not renewed here
30 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Fallon Medicare Plus Saver No Rx (HMO)Fallon Health · HMO · H9001-039-0 | $0 | no drugs | $6,700 | 4.0★ |
| AARP Medicare Advantage from UHC MA-0003 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-157-2 | $0 | $685 | $7,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx MA-MA01 (PPO)UnitedHealthcare · PPO · H8768-045-0 | $0 | no drugs | $7,150 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx MA-MA2 (HMO-POS)UnitedHealthcare · HMO-POS · H5253-225-0 | $0 | no drugs | $7,150 | 3.5★ |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO · H5521-296-0 | $0 | no drugs | $7,150 | 4.5★ |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · H5521-451-0 | $0 | $400 | $7,150 | 4.0★ |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · H5793-018-0 | $0 | $700 | $7,150 | 3.0★ |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO · H5521-159-0 | $0 | $700 | $7,150 | 4.0★ |
| Mass General Brigham Advantage Core (HMO-POS)Mass General Brigham Health Plan · HMO-POS · H6847-002-0 | $0 | $700 | $7,150 | 3.5★ |
| Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO · H2256-047-1 | $0 | $700 | $7,150 | 4.0★ |
| Medicare HMO Blue SaverRx (HMO-POS)Blue Cross Blue Shield of Massachusetts · HMO-POS · H2261-024-0 | $0 | $500 | $9,200 | 4.5★ |
| Fallon Medicare Plus Orange (HMO)Fallon Health · HMO · H9001-041-19 | $0 | $595 | $9,850 | 4.0★ |
| Mass General Brigham Advantage Secure (HMO-POS)Mass General Brigham Health Plan · HMO-POS · H6847-001-0 · was $62 in 2026 | $60 | $700 | $5,000 | 3.5★ |
| Medicare HMO Blue ValueRx (HMO)Blue Cross Blue Shield of Massachusetts · HMO · H2261-026-0 | $68 | $500 | $3,750 | 4.5★ |
| Medicare PPO Blue EssentialRx (PPO)Blue Cross Blue Shield of Massachusetts · PPO · H2230-019-0 · was $59 in 2026 | $69 | $700 | $9,850 | 4.0★ |
| AARP Medicare Advantage from UHC MA-0006 (PPO)UnitedHealthcare · PPO · H8768-055-2 · was $48 in 2026 | $75 | $685 | $7,150 | 4.0★ |
| Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO · H5521-761-0 | $79 | $500 | $6,750 | 4.0★ |
| Tufts Medicare Preferred HMO Basic Rx (HMO)Tufts Health Plan · HMO · H2256-026-2 · was $58 in 2026 | $82 | $200 | $4,500 | 4.0★ |
| Fallon Medicare Plus Green (HMO)Fallon Health · HMO · H9001-030-19 | $83 | $300 | $6,000 | 4.0★ |
| Medicare HMO Blue FlexRx (HMO-POS)Blue Cross Blue Shield of Massachusetts · HMO-POS · H2261-025-0 | $119 | $500 | $4,100 | 4.5★ |
| Tufts Medicare Preferred HMO Value No Rx (HMO)Tufts Health Plan · HMO · H2256-019-7 · was $123 in 2026 | $133 | no drugs | $4,200 | 4.0★ |
| Tufts Medicare Preferred HMO Prime No Rx (HMO)Tufts Health Plan · HMO · H2256-016-2 · was $153 in 2026 | $163 | no drugs | $3,850 | 4.0★ |
| Mass General Brigham Advantage Plus (HMO-POS)Mass General Brigham Health Plan · HMO-POS · H6847-003-0 | $180 | $700 | $4,500 | 3.5★ |
| Fallon Medicare Plus Blue (HMO)Fallon Health · HMO · H9001-031-19 | $185 | $0 | $3,400 | 4.0★ |
| Tufts Medicare Preferred HMO Value Rx (HMO)Tufts Health Plan · HMO · H2256-018-7 · was $166 in 2026 | $185 | $200 | $4,200 | 4.0★ |
| Tufts Medicare Preferred HMO Prime Rx (HMO)Tufts Health Plan · HMO · H2256-015-2 · was $193 in 2026 | $214 | $0 | $3,850 | 4.0★ |
| Tufts Medicare Preferred PPO RX (PPO)Tufts Health Plan · PPO · H9907-003-0 | $220 | $700 | $7,150 | 3.5★ |
| Medicare HMO Blue PlusRx (HMO)Blue Cross Blue Shield of Massachusetts · HMO · H2261-005-0 | $245 | $500 | $3,800 | 4.5★ |
| Tufts Medicare Preferred HMO Prime Rx Plus (HMO)Tufts Health Plan · HMO · H2256-001-2 · was $227 in 2026 | $252 | $0 | $3,850 | 4.0★ |
| Medicare PPO Blue PlusRx (PPO)Blue Cross Blue Shield of Massachusetts · PPO · H2230-002-0 | $300 | $500 | $4,200 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Massachusetts has 76 Medicare Advantage plans open to anyone with Parts A and B for 2027, against 81 in 2026, and 60 of them carry a 2027 rating of four stars or more, one of the highest shares in the country. The market belongs to regional health plans rather than national brands: Point32Health, Inc. (27), Fallon Community Health Plan, Inc. (11), CVS Health Corporation (9), Baystate Health, Inc. (8). Free plans are the exception, with 20 of the 61 drug-covering plans at a $0 premium, but caps are lower than in most of the Northeast: from $3,400, with a median of $5,750. HMOs account for 56 of the open plans. Hampden County has the longest list (37), Barnstable, on Cape Cod, the shortest (16). For people on Original Medicare, 10 stand-alone drug plans are sold, with a median premium of $114.75, among the highest medians in the country.
A market of regional nonprofits
Point32Health, the parent of Tufts Health Plan and Harvard Pilgrim, files 27 open plan segments, Fallon Health 11, and Baystate Health, through its Health New England plans, focuses on the western counties. These organizations contract closely with local hospital systems, which explains both the high ratings and the narrow networks of some HMOs: a plan built around the Worcester or Springfield hospitals may not include Boston's teaching hospitals, and the reverse.
Lower caps, but at a price
The lowest in-network cap, $3,400, belongs to Fallon Medicare Plus Blue (HMO), at $117 a month. The best-rated widely available plan, Medicare HMO Blue SaverRx (HMO-POS), costs $0 but caps spending at $9,200. The two ends of the trade are both on the list; the whole-year calculator says which one suits your expected care.
What an out-of-pocket cap is worth in a bad year
The cap saves
$8,272
| Original Medicare alone (20%, 1 admission) | $14,022 |
| With the plan’s cap | $5,750 |
From Hampden to Cape Cod
Hampden (37), Bristol (36), Essex (35), Norfolk (31) have the most open plans; Middlesex County lists 30, 8 of them free with drugs. Nantucket (3), Berkshire (7), Dukes (8) have the fewest. On Cape Cod, where many retirees spend part of the year elsewhere, the shorter list and the HMO networks make a PPO or Original Medicare with a supplement worth comparing.
Drug coverage is expensive here if you buy it alone: the median stand-alone plan costs $114.75 a month, against $13.30 for the cheapest. Massachusetts also lists 17 plans for people with MassHealth as well as Medicare. People who split the year with Florida or another state should weigh how far each network reaches. Neighbors: New Hampshire, Rhode Island, Connecticut.
Every county of Massachusetts, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Barnstable | 16 | 2 | $3,400 | 16 | -2 |
| Berkshire | 7 | 0 | $3,400 | 2 | -3 |
| Bristol | 36 | 12 | $3,400 | 29 | +1 |
| Dukes | 8 | 5 | $4,500 | 5 | -1 |
| Essex | 35 | 11 | $3,400 | 28 | -4 |
| Franklin | 22 | 3 | $3,400 | 13 | +1 |
| Hampden | 37 | 10 | $3,400 | 26 | +2 |
| Hampshire | 28 | 4 | $3,400 | 18 | +1 |
| Middlesex | 30 | 8 | $3,400 | 23 | same |
| Nantucket | 3 | 1 | $4,500 | 0 | -1 |
| Norfolk | 31 | 8 | $3,400 | 24 | +1 |
| Plymouth | 31 | 8 | $3,400 | 24 | -3 |
| Suffolk | 30 | 8 | $3,400 | 23 | -3 |
| Worcester | 31 | 11 | $3,400 | 24 | -9 |
Stand-alone Part D plans in Massachusetts
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-137-0 | $13.30 | $13.30 | $700 | $16.40 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-076-0 · Extra Help benchmark | $21.30 | $0 | $700 | $21.70 | 3.0 |
| Blue MedicareRx Value Plus (PDP)Blue MedicareRx · S2893-001-0 · Extra Help benchmark | $25.50 | $0 | $700 | $20.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-102-0 · Extra Help benchmark | $26.10 | $0 | $700 | $8.40 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-182-0 | $107.30 | $73.50 | $687 | $73.60 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-348-0 | $122.20 | $88.40 | $700 | $38.70 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-149-0 | $146.30 | $112.50 | $350 | $138.60 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-023-0 | $158.60 | $124.80 | $700 | new | 2.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-385-0 | $239.80 | $206 | $300 | $155.10 | 3.0 |
| Blue MedicareRx Premier (PDP)Blue MedicareRx · S2893-003-0 | $284.70 | $250.90 | $0 | $238.60 | 3.0 |