Medicare Advantage
Blue Cross Blue Shield of Massachusetts 2027 Medicare Advantage plans in Boston: the full lineup
BOSTON — Fall 2026. Blue Cross Blue Shield of Massachusetts will offer seven Medicare Advantage plans in Suffolk County for the 2027 plan year, and the mix looks a little different than it did this year. Three plans are new for 2027 and three current plans are not coming back. If you live in Boston and have a Blue Cross Blue Shield Medicare Advantage plan today — or you are shopping for one during the Annual Enrollment Period — this is the full carrier lineup you will see on Medicare.gov when you compare options before December 7, 2026.
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Key takeaways
- Blue Cross Blue Shield of Massachusetts has seven Medicare Advantage plans in Suffolk County for 2027: two HMO, two HMO-POS, and three PPO, and all seven include drug coverage.
- Three of its plans are new for 2027 and three current plans are not returning; your Annual Notice of Change (ANOC) spells out what shifts in any plan you already have.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.
- Before you switch, check each plan against your doctors and prescriptions on Medicare.gov or by calling 1-800-MEDICARE.
MyMedicarePlans.org is an independent consumer news site. We are not Blue Cross Blue Shield of Massachusetts, and we are not Medicare. Ten other carriers also offer Medicare Advantage plans in Suffolk County for 2027, for a total of 50 plans countywide.
What Blue Cross Blue Shield of Massachusetts is offering in Boston for 2027
Boston sits inside Suffolk County, and Medicare Advantage availability is set at the county level. For 2027, Blue Cross Blue Shield of Massachusetts has seven Medicare Advantage plans available to Suffolk County residents:
- two HMO plans
- two HMO-POS plans
- three PPO plans
All seven include Part D prescription drug coverage. The carrier is not offering a Dual Eligible Special Needs Plan (D-SNP), Chronic Condition SNP (C-SNP), or Institutional SNP (I-SNP) in the county for 2027. The full plan names and types are listed in the table below.
What is new, and what is not returning
Three Blue Cross Blue Shield of Massachusetts plans are new for 2027 in Suffolk County, and three plans the carrier offered in 2026 are not returning next year. If you are on a plan that is going away, Medicare will send a letter and you will have a Special Enrollment Period to pick something else — but the simplest path is to make your choice during the Annual Enrollment Period that is open now.
If your plan is continuing, read your Annual Notice of Change carefully. The ANOC is the document the carrier mails each fall that lists exactly what is changing on your plan for the new year — the premium, the drug tiers, the network, the extra benefits. It is the one place where the specifics of your plan live.
The plan types, in plain English
Blue Cross Blue Shield of Massachusetts offers three plan structures in Boston for 2027, and the difference matters more than the plan name:
- HMO plans ask you to use the plan's network and usually pick a primary care doctor who refers you to specialists.
- HMO-POS plans work like an HMO but add a "point of service" option that lets you go out of network for certain services, usually at a higher cost.
- PPO plans give you more flexibility to see out-of-network providers, generally at a higher share of the cost.
None of these is better in the abstract. The right type depends on which doctors you want to keep and how much flexibility you want.
How to check a plan against your doctors and prescriptions
Before December 7, do these four things for any Blue Cross Blue Shield of Massachusetts plan you are considering:
1. Go to Medicare.gov and use the Plan Finder. Enter your ZIP code and your prescriptions exactly as you take them (dose and quantity). 2. Check the provider directory for each plan to confirm your primary care doctor, your specialists, and your preferred hospital are in network. 3. Check the drug formulary to see whether each medication is covered, what tier it sits on, and whether it needs prior authorization. 4. Read the Summary of Benefits and the Evidence of Coverage on the plan's own website for the full rules.
If you prefer to talk to a person, call 1-800-MEDICARE (1-800-633-4227), which is free and open 24 hours a day, seven days a week.
What is confirmed for 2027 at the program level
A few numbers CMS has already published that apply to everyone with Part D coverage next year:
- The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
- The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026).
- The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input, not what any specific plan charges.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, are not out yet. CMS typically announces those in the fall, usually in November. Please do not rely on anyone's "projection" of those numbers.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Suffolk County
(MA penetration in Suffolk County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Blue Cross Blue Shield of Massachusetts Medicare Advantage plans in Suffolk County for 2027
CMS lists 7 Blue Cross Blue Shield of Massachusetts Medicare Advantage plans in Suffolk County for 2027, alphabetically by carrier. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross Blue Shield of Massachusetts 7 plans | |||
| Medicare HMO Blue FlexRx (HMO-POS) | HMO-POS | Yes | New |
| Medicare HMO Blue PlusRx (HMO) | HMO | Yes | Returning |
| Medicare HMO Blue SaverRx (HMO-POS) | HMO-POS | Yes | Returning |
| Medicare HMO Blue ValueRx (HMO) | HMO | Yes | New |
| Medicare PPO Blue EssentialRx (PPO) | PPO | Yes | Returning |
| Medicare PPO Blue PlusRx (PPO) | PPO | Yes | Returning |
| Medicare PPO Blue ValueRx (PPO) | PPO | Yes | New |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Blue Cross Blue Shield of Massachusetts Medicare Advantage plans in Suffolk County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
Do I have to do anything if I like my current Blue Cross Blue Shield of Massachusetts plan?
When is the deadline to change my Medicare Advantage plan for 2027?
How many Medicare Advantage plans will be sold in Suffolk County in 2027?
Where can I compare the specific costs and benefits of each plan?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Boston
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This page was last updated: October 2026.