Health Insurance Plans in Franklin County, Massachusetts (2026)
37 ACA marketplace (Obamacare) plans are available in Franklin County, MA, from 7 insurers. The cheapest plan starts at $370.41/month before subsidies.
That ranks 3rd lowest of the 10 county areas we track in Massachusetts, right at the statewide median of $370.41.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Greenfield.
37
Plans Available
$370.41
Cheapest Plan/mo
7
Insurers
MA Health Connector
Exchange
Insurers With the Cheapest Plans in Franklin
Plans Available in Franklin
Sorted by monthly premium · 30-year-old · Before subsidies
WellSense Health Plan - Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800
WellSense Health Plan
$370.41/mo
Ded: $3,800
Tufts Health Plan Direct - Standard High Bronze: Tufts Health Direct Bronze 2900
Tufts Health Plan Direct
$382.78/mo
Ded: $2,900
Tufts Health Plan Direct - Standard High Silver: Tufts Health Direct Silver 2000 II
Tufts Health Plan Direct
$449.19/mo
Ded: $2,000
WellSense Health Plan - Standard High Silver: WellSense Clarity Silver 2000 II
WellSense Health Plan
$451.49/mo
Ded: $2,000
Health New England - Standard High Bronze HSA: HNE Bronze 2 HDHP
Health New England
$457.05/mo
Ded: $3,800
Health New England - Non-Standard Bronze: HNE Thrive Bronze
Health New England
$466.84/mo
Ded: $3,500
Mass General Brigham Health Plan - Complete HMO 2900 30/65
Mass General Brigham Health Plan
$565.98/mo
Ded: $2,900
Blue Cross Blue Shield of Massachusetts - HMO Blue Basic Deductible
Blue Cross Blue Shield of Massachusetts
$566.91/mo
Ded: $2,900
Average Premiums in Franklin
Avg Bronze Plan
$507/mo
9 plans
Avg Silver Plan
$652/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Franklin
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 9 | $3,500 | $2,900–$3,800 | $9,800 |
| Silver | 7 | $2,000 | $2,000 | $10,150 |
| Gold | 14 | $1,000 | $0–$1,750 | $7,000 |
| Platinum | 7 | $0 | $0 | $3,000 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Franklin County
At $23,940 a year (150% of the poverty level), a 40-year-old in Franklin County can get a Bronze plan for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $5 or less | $97 or less |
| 40 | $0 | $90 or less |
| 60 | $0 (2+ plans) | $31 or less |
Medicaid: Massachusetts expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
Massachusetts adds its own help: ConnectorCare. Who qualifies
2026 premiums in Franklin County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "Or less" and "+" are because the credit is based on the second-cheapest Silver plan and only the cheapest plans are counted, both of which can only make the real figure better. Federal credit only, non-smokers. Income limits · Calculate your own credit
Nearby Counties in Massachusetts
All Counties in Massachusetts
More Massachusetts Health Insurance Guides
Health Insurance in Massachusetts
Compare Massachusetts's lowest-premium plans. See how Franklin's $370.41/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Franklin to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in Massachusetts
What is the health insurance marketplace in Massachusetts?
The Massachusetts (MA) health insurance marketplace is MA Health Connector (https://www.mahealthconnector.org/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 37 plans with live premium data. Open Enrollment runs October 23 through January 23.
How do I compare health insurance plans in Massachusetts?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Massachusetts start from $370.41/month before subsidies.
Which Medicaid plan is best in Massachusetts?
There is no single "best" Medicaid plan in Massachusetts. Medicaid is administered through MCOs such as Blue Cross Blue Shield of Massachusetts, Harvard Pilgrim Health Care, Tufts Health Plan. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at MA Health Connector. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Massachusetts?
Short-term health insurance is sold outside the ACA Marketplace in Massachusetts by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at MA Health Connector during Open Enrollment (October 23 to January 23). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in MA?
Health insurance in MA starts as low as $370.41/month for a 30-year-old on a Bronze plan before subsidies. Most Massachusetts residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in MA for 2027?
The cheapest ACA option in MA for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Massachusetts plans and prices at policymage.com/get-quotes.
How do I get health insurance in Massachusetts?
To get health insurance in Massachusetts, enroll in an ACA Marketplace plan through MA Health Connector during Open Enrollment, which runs October 23 through January 23. Plans start at $370.41/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Massachusetts?
There is no single best health insurance plan in Massachusetts; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 37 Massachusetts plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Massachusetts per month?
Health insurance in Massachusetts starts at $370.41 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Massachusetts?
Free or near-free coverage in Massachusetts comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for Massachusetts residents on lower incomes.
When does Open Enrollment end in Massachusetts for ACA plans?
Open Enrollment for Massachusetts residents runs from October 23 through January 23. Massachusetts runs its own exchange (MA Health Connector), which set the January 23 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in Massachusetts?
Health insurance in Massachusetts starts as low as $370.41/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many Massachusetts residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Massachusetts use HealthCare.gov or its own state exchange?
Massachusetts runs its own state-based Marketplace called MA Health Connector (https://www.mahealthconnector.org/). You enroll there directly, not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Massachusetts, not the federal government.
Has Massachusetts expanded Medicaid under the ACA?
Yes. Massachusetts has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.
What are the income limits for ACA subsidies in Massachusetts?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the MA Health Connector subsidy calculator for your exact estimate.
Does Massachusetts have its own health insurance subsidy?
Yes. ConnectorCare: Residents with household income from 100% to 400% of the poverty level can qualify for ConnectorCare plans through the Health Connector: $0 or low premiums, low copays and no deductibles. This is in addition to the federal premium tax credit.
What are the metal tiers in Massachusetts (Bronze, Silver, Gold, Platinum)?
Massachusetts ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Massachusetts?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Massachusetts through MA Health Connector. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Massachusetts ACA plans cover dental and vision?
Massachusetts ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most Massachusetts plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through MA Health Connector or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Massachusetts?
Outside Open Enrollment, Massachusetts residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through MA Health Connector.
How do I find in-network doctors and hospitals in Massachusetts?
Each Massachusetts ACA plan has its own provider network. Before enrolling, look up the plan on MA Health Connector, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Franklin
Enter your ZIP code, age, and income to see all plans available to you, with your actual subsidy applied, or see how Franklin compares to the Massachusetts state average.
Free · No account required · No broker fees
Plans shown based on input. Not insurance advice. Policymage is not a licensed broker or agent.