Alternatives: Other Carriers & the Health Connector
Comparison options worth knowing about — because our trust comes from impartial education, not from steering you toward one answer.
Harvard Pilgrim
Filed the lowest 2027 base-rate increase among major MA carriers at 6.7%, per the Massachusetts Division of Insurance (pending DOI approval). See Rate Trends for full context.
Tufts Public Plans
Filed an 11.8% 2027 base-rate increase, per MA DOI filings (pending approval).
UnitedHealthcare
Filed a 14.2% 2027 base-rate increase, per MA DOI filings (pending approval).
MGB Health Plan
Filed a 13.5% 2027 base-rate increase, per MA DOI filings (pending approval). Related to, but distinct from, Mass General Brigham's provider network discussed on our Healthcare Basics page.
A Public Marketplace Option
Massachusetts Health Connector
The Massachusetts Health Connector lets small businesses with up to 50 employees compare plans directly, or through a broker, with no membership fees. It's a useful, transparent starting point for very small employers exploring their options — and even the smallest Cape Cod shop is competing for staff against every other seasonal employer on the peninsula, so it's worth comparing carefully rather than defaulting to whatever's easiest.
Source: mahealthconnector.org
All 2027 rates referenced above are filed rates, pending Massachusetts Division of Insurance review, with final decisions expected in August 2026. See Rate Trends & Market Reality for the complete filed-rate table and sourcing.
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