Rate Trends & Market Reality
Calm, sourced facts about where Massachusetts health insurance rates are heading, and what Massachusetts employers are actually experiencing today.
2027 Proposed Rates — Pending DOI Review
What insurers have proposed, not what's been decided
The Massachusetts Division of Insurance (DOI) is reviewing proposed 2027 merged-market rate filings covering the combined individual and small-group markets. These are proposed figures — the DOI's review is expected to culminate in a final decision in August 2026, and approved rates may differ from what's shown below.
| Carrier | Proposed 2027 Increase | Renewing Enrollees |
|---|---|---|
| BCBS Massachusetts | 15.3% | 166,384 |
| Boston Medical Center Health Plan, Inc. d/b/a WellSense Health Plan | 11.9% | 140,089 |
| Tufts (Public Plans) | 11.8% | 160,566 |
| UnitedHealthcare | 14.2% | 19,829 |
| Mass General Brigham Health Plan | 13.5% | 78,878 |
| Harvard Pilgrim | 6.7% | 79,318 |
| Health New England | 11.1% | 23,143 |
| Fallon | 25.7% | 29,641 |
Source: Massachusetts Division of Insurance, 2027 merged-market rate filings, mass.gov/info-details/2027-health-insurance-rates. These figures are proposed rates only, subject to change; the DOI's final decision is expected in August 2026.
CHIA 2024 Massachusetts Employer Survey
What Massachusetts employers are experiencing today
The Center for Health Information and Analysis (CHIA) published its 2024 Massachusetts Employer Survey in December 2024. Five figures matter most for employer planning:
Source: CHIA, "2024 Massachusetts Employer Survey," published December 2024.
Why local employers need a navigation partner right now
Proposed rate pressure, real network changes, and rising employee cost-sharing are all happening at once in this market. The right response is to review your options early and compare realistically — not to react to a headline number after renewal notices go out. Results vary by group; this is exactly what a local review is for.