Massachusetts Health Connector plans
It's time for a health plan with benefits like common sense. Find the right plan for you based on costs and network.
Network guide: HMO vs. PPO
To help you make the right choice for you and your family, here's a quick guide to the differences between our HMO and PPO Plus plans.
HMO
- In-network coverage only
- Premiums may be lower with HMO plans
- Your PCP coordinates your care
- You need referrals for specialty care and certain services
PPO Plus
- In- and out-of-network coverage
- Premiums may be higher with PPO plans
- PCP is recommended but not required
- No referrals necessary for specialty care
Explore 2027 plans
Complete plans
Complete plans provide full access to our world-class HMO or PPO Plus networks. To view PPO Plus cost sharing for out-of-network providers (PCPs and specialists), check plan details.
View 2026 Health Connector plans.
| Plan name | Annual Individual Deductible | Family Deductible | Office Visit Copay - PCP | Office Visit Copay - Specialist | Plan documents |
| Complete HMO 25/45 | $0 | $0 | $25 | $45 | |
| Complete HMO 1000 20/45 | $1000 | $2000 | $20 | $45 | |
| Complete HMO 1000 30/50 35% | $1000 | $2000 | $30 | $50 | |
| Complete HMO 2000 30/60/500 II* | $2000 | $4000 | $30 | $60 | |
| Complete HMO 2000 30/60/500** | $2000 | $4000 | $30 | $60 | |
| Complete HMO HSA 3000 30/60 Enhanced FlexRx** | $3000 | $6000 | (D) $30 | (D) $60 | |
| Complete PPO Plus 2000 30/60/500** | $2000 | $4000 | $30 | $60 | |
| Complete HMO 3000 30/65 | $3000 | $6000 | (D) $30 | (D) $65 | |
| Complete HMO ConnectorCare 5/20* | $0 | $0 | $5 | $20 | |
| Complete HMO ConnectorCare 10/25* | $0 | $0 | $10 | $25 |
(D) = Deductible must be met first, then copayment or coinsurance may apply.
*Available to individuals and families
**Available to small groups
Select HMO and Select ConnectorCare plans for individuals and families can be found here.
Zero cost sharing plan for American Indians and Alaska Natives with incomes up to 300% FPL
| Complete HMO $0 | Plan overview | Benefit details |
Catastrophic plan for individuals under thirty (30) years of age or with certain exemptions
| Plan name | Annual Individual Deductible | Family Deductible | Office Visit Copay - PCP | Office Visit Copay - Specialist | Plan documents |
| Complete HMO 12000 | $12,000 | $24,000 | Visits 1- 3: $35 Visits 4+: (D) | (D) |
Search for covered drugs in our Formulary
See the 6-Tier drug list here.
ConnectorCare members will have the chronic condition medications listed below covered at no cost-sharing.
Hypertension/Coronary artery disease
| Diabetes
| Asthma
|
Information about 2027 rate increases
Read information about 2027 rate increases here.
Member handbooks
© 2026 Mass General Brigham Health Plan, Inc. All Rights Reserved.
Mass General Brigham Health Plan includes Mass General Brigham Health Plan, Inc. and Mass General Brigham Health Insurance Company
Mass General Brigham Health Plan is an HMO-POS/PPO organization with a Medicare contract. Enrollment in Mass General Brigham Health Plan depends on contract renewal. Other providers/pharmacies are included in our network.
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Mass General Brigham One Care is a Dual Special Needs Plan (D-SNP) that contracts with both Medicare and MassHealth (Medicaid) to provide benefits of both programs to enrollees. Enrollment in the plan depends on the plan’s contract renewal with Medicare. This plan is a voluntary program that is available to anyone age 21 - 64 who qualifies for MassHealth Standard or CommonHealth and Original Medicare and does not have any other comprehensive health insurance, except Medicare.
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Mass General Brigham SCO (Senior Care Options) is a Dual Special Needs Plan (D-SNP) with a Medicare contract and a contract with the Commonwealth of Massachusetts Medicaid program. Enrollment in the plan depends on the plan’s contract renewal with Medicare. This plan is a voluntary program that is available to anyone 65 and older who qualifies for MassHealth Standard and Original Medicare and does not have any other comprehensive health insurance, except Medicare.
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