Massachusetts
Cheapest ACA plans in Worcester, Massachusetts for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Worcester is in Worcester County, Massachusetts. 8 carriers sell 2026 ACA plans on Massachusetts Health Connector for residents of Worcester County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $424/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Worcester County, including Worcester.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Worcester (Worcester County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Worcester County |
|---|---|---|
| Catastrophic | $397 | 6 |
| Expanded Bronze | $424 | 28 |
| Silver | $451 | 30 |
| Gold | $599 | 45 |
| Platinum | $805 | 24 |
The actual cheapest Bronze plan in Worcester
WellSense Health Plan Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800
$424/moFor a family of four (two 40-year-olds and two kids under 14): WellSense Health Plan Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800 at $1,269/month before subsidies.
Carriers selling 2026 plans in Worcester
8 carriers sell 2026 plans on Massachusetts Health Connector for Worcester County residents. 529 plans total in Worcester County.
| Carrier | On-exchange plans |
|---|---|
| Mass General Brigham Health Plan | 23 |
| WellSense Health Plan | 21 |
| BlueCross BlueShield of Massachusetts | 18 |
| Tufts Health Plan | 18 |
| Harvard Pilgrim | 18 |
| UnitedHealthcare | 15 |
| Fallon Health | 15 |
| Health New England | 5 |
What you'll actually pay in Worcester
Estimated monthly net premium for the cheapest Bronze plan above ($424/mo before subsidy) on Massachusetts Health Connector, after federal APTC. APTC is computed against the Worcester Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $366/mo | $58/mo |
| $40,000 | 256% | $176/mo | $248/mo |
| $60,000 | 383% | $0/mo | $424/mo |
| $100,000 | 639% | — | $424/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $825/mo | $444/mo |
| $130,000 | 404% | — | $1,269/mo |
| $200,000 | 622% | — | $1,269/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Worcester, Massachusetts for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is WellSense Health Plan Standard High Bronze HSA: WellSense Clarity Bronze HSA 3800 at $424 per month before subsidies. Plans sell through Massachusetts Health Connector. Worcester is in Worcester County, Massachusetts; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Worcester's 2026 ACA pricing compare to other Massachusetts cities?
Cheapest Bronze for a 40-year-old in Worcester is $424 per month before subsidies. For comparison: Boston at $424/mo; Springfield at $436/mo; Cambridge at $424/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
What is ConnectorCare and do I qualify?
ConnectorCare is a Massachusetts state-subsidized plan that wraps federal APTC with fixed-schedule premiums and zero deductibles. For PY2026 it covers households from 100% to 400% of the Federal Poverty Level across five plan types (2A, 2B, 3A, 3B, 3C). You must qualify for federal APTC to qualify for ConnectorCare. Premiums range from $0 per month at 100-150% FPL up to $235 per month at 300-400% FPL.
How much does ConnectorCare cost in 2026?
Lowest-cost monthly premiums for PY2026: $0 (Type 2A, 100-150% FPL), $53 (2B, 150-200%), $103 (3A, 200-250%), $152 (3B, 250-300%), $235 (3C, 300-400%). All ConnectorCare plans have $0 deductibles, $0 preventive and primary care, and either $18 (2A/2B) or $22 (3A-3C) specialist copays.
Will I be penalized if I don't have health insurance in Massachusetts?
Yes, unless you qualify for an exemption. MA has had its own individual mandate since 2006. No penalty applies below 150% FPL. From 150-400% FPL the penalty is half the lowest-cost ConnectorCare premium at your FPL band. Above 400% FPL it's half the lowest-cost individual Bronze premium on the Connector. A 63-day coverage gap is excused. The penalty is reported on Schedule HC of your MA state return.
More Massachusetts pricing
- Statewide Massachusetts pricing and metal tiers
- Full Worcester County pricing
- Boston pricingcheapest Bronze $424/mo
- Springfield pricingcheapest Bronze $436/mo
- Cambridge pricingcheapest Bronze $424/mo
Sources
- Massachusetts Health Connector for ConnectorCare plan types, premium schedule, and OEP dates.
- MGL c. 176J § 3: merged-market rating factors for the 2:1 age-rating band and permissive tobacco-rating language.
- MGL c. 176Q: Commonwealth Health Insurance Connector for the statutory basis of the MA Health Connector.
- MA DOR TIR 26-1: Individual Mandate Penalties for Tax Year 2026 for PY2026 Schedule HC penalty formula.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.