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 2023 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 30/55 | $0 | $0 | $30 | $55 | |
| Complete HMO 1000 35% | $1,000 | $2,000 | $25 | $45 | |
| Complete HMO HSA 2000 30/60 Enhanced FlexRx* | $2,000 | $4,000 | (D) $30 | (D) $60 | |
| Complete PPO Plus 2000 30/60/350* | $2,000 | $4,000 | $30 | $60 | |
| Complete HMO 2000 30/60/350 | $2,000 | $4,000 | $30 | $60 | |
| Complete HMO 2850 | $2,850 | $5,700 | (D) $30 | (D) $65 |
*Only available to small groups
Select HMO and Select ConnectorCare plans can be found here.
Information about 2023 rate increases
Read information about 2023 rate increases here.