Compare 2026 Medicare Supplement (Medigap) rates in Massachusetts. Our licensed, independent agents help you find the best plan at the best price — whether you're new to Medicare or looking to switch carriers.
2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.
2026 average monthly premiums for non-tobacco users across all carriers.
| Age | Avg. Monthly Rate |
|---|---|
| 65 | $170/mo |
| 70 | $170/mo |
| 75 | $170/mo |
| 80 | $170/mo |
Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Age 65 · Non-tobacco · 2026 · Rate varies by zip
Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.
Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for Massachusetts. Averages roll up multiple carriers and rate classes for the age, gender, and plan letter you select. Your premium can still differ based on ZIP code, underwriting, household discounts, and how the carrier bills the policy. Treat tables as directional guidance, not a binding quote.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 · Lowest available rate per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $233/mo | $233/mo | $233/mo | $233/mo |
| Fallon Health and Life Assurance Company Inc. | $240/mo | $240/mo | $240/mo | $240/mo |
| Harvard Pilgrim Health Care Inc. | $254/mo | $254/mo | $254/mo | $254/mo |
| Health New England | $254/mo | $254/mo | $254/mo | $254/mo |
| Tufts Insurance Company | $254/mo | $254/mo | $254/mo | $254/mo |
| AARP - UnitedHealthcare Insurance Company | $270/mo | $270/mo | $270/mo | $270/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts Lowest | $233/mo | $233/mo | $233/mo | $233/mo |
| Fallon Health and Life Assurance Company Inc. | $240/mo | $240/mo | $240/mo | $240/mo |
| Harvard Pilgrim Health Care Inc. | $254/mo | $254/mo | $254/mo | $254/mo |
| Health New England | $254/mo | $254/mo | $254/mo | $254/mo |
| Tufts Insurance Company | $254/mo | $254/mo | $254/mo | $254/mo |
| AARP - UnitedHealthcare Insurance Company | $270/mo | $270/mo | $270/mo | $270/mo |
Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $143/mo | $143/mo | $143/mo | $143/mo |
| Health New England | $173/mo | $173/mo | $173/mo | $173/mo |
| Harvard Pilgrim Health Care Inc. | $177/mo | $177/mo | $177/mo | $177/mo |
| Tufts Insurance Company | $177/mo | $177/mo | $177/mo | $177/mo |
| AARP - UnitedHealthcare Insurance Company | $192/mo | $192/mo | $192/mo | $192/mo |
| Fallon Health and Life Assurance Company Inc. | $196/mo | $196/mo | $196/mo | $196/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $289/mo | $289/mo | $289/mo | $289/mo |
| Harvard Pilgrim Health Care Inc. | $315/mo | $315/mo | $315/mo | $315/mo |
| Tufts Insurance Company | $315/mo | $315/mo | $315/mo | $315/mo |
| Fallon Health and Life Assurance Company Inc. | $327/mo | $327/mo | $327/mo | $327/mo |
| AARP - UnitedHealthcare Insurance Company | $347/mo | $347/mo | $347/mo | $347/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
Non-tobacco rates · 2026 averages per carrier
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $233/mo | $233/mo | $233/mo | $233/mo |
| Fallon Health and Life Assurance Company Inc. | $240/mo | $240/mo | $240/mo | $240/mo |
| Harvard Pilgrim Health Care Inc. | $254/mo | $254/mo | $254/mo | $254/mo |
| Health New England | $254/mo | $254/mo | $254/mo | $254/mo |
| Tufts Insurance Company | $254/mo | $254/mo | $254/mo | $254/mo |
| AARP - UnitedHealthcare Insurance Company | $270/mo | $270/mo | $270/mo | $270/mo |
| Carrier | Age 65 | Age 70 | Age 75 | Age 80 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Massachusetts | $233/mo | $233/mo | $233/mo | $233/mo |
| Fallon Health and Life Assurance Company Inc. | $240/mo | $240/mo | $240/mo | $240/mo |
| Harvard Pilgrim Health Care Inc. | $254/mo | $254/mo | $254/mo | $254/mo |
| Health New England | $254/mo | $254/mo | $254/mo | $254/mo |
| Tufts Insurance Company | $254/mo | $254/mo | $254/mo | $254/mo |
| AARP - UnitedHealthcare Insurance Company | $270/mo | $270/mo | $270/mo | $270/mo |
Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.
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