Massachusetts · 2026 plan year

Medicare Advantage HMO plans in Massachusetts

There are 78 Medicare Advantage HMO plans in Massachusetts from 12 carriers, averaging 3.99 out of 5 stars across the 69 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

78
HMO plans
12
Carriers
14
Counties covered
4.0
Avg stars (69 of 78 rated)
$5,657
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

Most HMO plans in Massachusetts rate 4 stars or better.

60 of 78 plans here carry an overall rating of at least 4 stars. Where ratings cluster this high they stop being a useful way to sort plans — network, drug coverage and out-of-pocket limits will separate these more than the star count will.

Massachusetts HMO plans rank 14th of 49 on star rating.

Across the 69 rated plans here the average overall rating is 3.99 stars, 14th highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Massachusetts

Showing 5 of 78. See all MassachusettsMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Tufts Health PlanPoint32Health, Inc.324.04
Fallon HealthFallon Community Health Plan, Inc.94.01
Blue Cross Blue Shield of MassachusettsBlue Cross and Blue Shield of Massachusetts, Inc.84.5
UnitedHealthcareUnitedHealth Group, Inc.84.05
Mass General Brigham Health PlanMass General Brigham Incorporated64.02
Health New England Medicare Advantage PlansBaystate Health, Inc.53.0
Molina HealthcareMolina Healthcare, Inc.34.53
Aetna MedicareCVS Health Corporation23.5
Mass AdvantageCentral Mass Health Holding LLC24.5
Commonwealth Care Alliance MassachusettsCareSource14.01
Commonwealth Care Alliance, Inc.CareSource11
eternalHealthEternal Health of Delaware, Inc.1
Other plan types in Massachusetts

How HMO compares

All MassachusettsMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Massachusetts Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Massachusetts?
Of the Massachusetts HMO plans with a published premium, 45% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $5,657 across these plans.
What are the star ratings for Massachusetts HMO plans?
The 69 rated HMO plans in Massachusetts average 3.99 out of 5 stars, with 60 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Massachusetts?
There are 78 HMO plans from 12 carriers, sold across 14 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 17 of them are Special Needs Plans with extra eligibility rules (see below).
Do Massachusetts HMO plans include prescription drug coverage?
78 of the 78 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Massachusetts?
17 of the 78 HMO plans in Massachusetts are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Massachusetts Medicare Advantage plans.

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