Medicare Supplement

Medigap in Massachusetts for 2027: 6 Insurers and the Plans They Sell

BOSTON — For people on Original Medicare in Massachusetts, a Medigap policy is the piece that helps pay the shares Medicare leaves behind. Heading into coverage year 2027, Medicare.gov's Medigap policy search for ZIP code 02108 lists six insurers selling policies, and Massachusetts uses its own set of standardized plans instead of the federal A-through-N letters most other states use.

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What is Medigap and how is it different from Medicare Advantage in Massachusetts?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay out-of-pocket costs like coinsurance and deductibles. Medicare Advantage, by contrast, is a different way to get your Medicare benefits through a private plan that replaces Original Medicare for most purposes.

You can have Medigap only if you are enrolled in Original Medicare. You cannot use a Medigap policy to pay costs under a Medicare Advantage plan. People in Massachusetts generally choose one path or the other: Original Medicare plus (optionally) Medigap and a Part D drug plan, or a Medicare Advantage plan that often includes drug coverage.

Which insurers sell Medigap in Massachusetts for 2027, and what plans do they offer?

Medicare.gov's Medigap policy search for ZIP code 02108 lists six insurers for Massachusetts: AARP – UnitedHealthcare Insurance Company; Blue Cross and Blue Shield of Massachusetts; Fallon Health and Life Assurance Company Inc.; Harvard Pilgrim Health Care Inc.; Health New England; and Tufts Insurance Company.

Massachusetts is one of three states that standardizes its own Medigap plans rather than using the federal A–N letters. The Massachusetts plans are called Core, Supplement 1, and Supplement 1A. When you compare policies in the state, you compare them by those names: a Core policy from one insurer covers the same benefits as a Core policy from another, and the same is true for Supplement 1 and Supplement 1A. What differs between insurers is price and customer service, not the benefit design.

What's actually offered can vary by ZIP code and can also depend on age, sex, and tobacco use, so results in your town may look a little different from the Boston list. The Medigap policy search at Medicare.gov lets you enter your own ZIP code to see which of the six insurers sells which Massachusetts plan where you live.

What is the six-month Medigap Open Enrollment Period and why does it matter in Massachusetts?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are 65 or older and enrolled in Medicare Part B. During that window, an insurer must sell you any Medigap policy it offers, cannot charge you more because of your health, and cannot make you wait for coverage of pre-existing conditions beyond the limits set in federal rules.

This matters because, outside that window and outside the guaranteed-issue situations described below, insurers in most states can use medical underwriting to decide whether to sell you a policy and at what price. Massachusetts has additional consumer protections for Medigap; the specifics are explained on Medicare.gov and in each insurer's own materials.

What happens if my Medicare Advantage plan is leaving Massachusetts in 2027?

According to CMS Landscape files, 28 Medicare Advantage plans that are offered somewhere in Massachusetts in 2026 will not be offered anywhere in the state in 2027. If you are enrolled in one of those plans, you will get a notice from the plan and a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting.

Guaranteed issue means an insurer must sell you an eligible Medigap policy, cannot turn you down for health reasons, and cannot charge you more because of your health. The rules spell out which specific Medigap plans you may buy with that right and the deadlines for using it. Medicare.gov lists the full set of situations that trigger guaranteed issue — losing group retiree coverage, moving out of a plan's service area, a plan ending, and others.

For 2027 coverage choices generally, Medicare's Annual Enrollment Period runs October 15 – December 7, 2026, and choices made then take effect January 1, 2027.

Does Medigap cover prescriptions in Massachusetts?

No. Medigap policies sold today do not include prescription drug coverage. To get Medicare drug coverage with Original Medicare and a Medigap policy, you enroll in a stand-alone Part D plan.

A few national Part D rules are already set for 2027: the annual out-of-pocket cap on covered drugs is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the Part D base beneficiary premium — a national figure used to calculate the late-enrollment penalty — is $41.33. Individual plan premiums are set plan by plan.

The Social Security Administration also announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

How should I compare Medigap policies in Massachusetts?

Start with the Massachusetts plan name — Core, Supplement 1, or Supplement 1A — because benefits are the same across insurers for the same plan. From there, compare price, each insurer's rate-setting method, and customer service.

The Medigap policy search at Medicare.gov lets you enter your ZIP code and see which of the six insurers sells which Massachusetts plan in your area. Insurers' own documents and 1-800-MEDICARE can confirm current prices and any rules that apply to you.

Where can I get free help with Medigap in Massachusetts?

Medicare.gov has the official plan finder, the Medigap policy search, and plain-language explanations of Medigap rules, enrollment periods, and guaranteed-issue rights. You can also call 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, seven days a week.