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 2025 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.
| Plan name | Annual Individual Deductible | Family Deductible | Office Visit Copay - PCP | Office Visit Copay - Specialist | Plan documents |
| Complete HMO 20/40 | $0 | $0 | $20 | $40 | |
| Complete HMO 1000 20/40 | $1,000 | $2,000 | $20 | $40 | |
| Complete HMO 1000 35% | $1,000 | $2,000 | $25 | $45 | |
| Complete HMO 2000 25/60 II* | $2,000 | $4,000 | $25 | $60 | |
| Complete HMO 2000 25/60** | $2,000 | $4,000 | $25 | $60 | |
| Complete HMO HSA 2000 30/60 Enhanced FlexRx** | $2,000 | $4,000 | (D) $30 | (D) $60 | |
| Complete PPO Plus 2000 25/60** | $2,000 | $4,000 | $25 | $60 | |
| Complete HMO 2850 | $2,850 | $5,700 | (D) $30 | (D) $65 | |
| Complete HMO ConnectorCare 0/0* | $0 | $0 | $0 | $0 | |
| Complete HMO ConnectorCare 0/18* | $0 | $0 | $0 | $18 | |
| Complete HMO ConnectorCare 0/22* | $0 | $0 | $0 | $22 |
*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 |
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
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Diabetes
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Asthma
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Information about 2025 rate increases
Read information about 2025 rate increases here.