Massachusetts Individual and Family Plans

Open Enrollment

Open Enrollment takes place from November 1, 2020 – January 23, 2021 for Massachusetts residents. You must make your plan selection by December 23, 2020 if you want your new plan to be active on January 1, 2021.

Harvard Pilgrim offers a wide variety of competitive plans to help you and your family meet different needs and budgets.


When you’re covered by Harvard Pilgrim, you get access to:

$0 copayment annual physical exam

$0 copayment annual flu shot

Personal health coaching at no additional cost

Chiropractic and acupuncture visits

Reimbursement for gyms or fitness classes

Discounts for local health and wellness services and more

New! Updates and Enhancements

To support you during the COVID-19 pandemic, our offerings now include:

$0 cost sharing for COVID-19 testing and medical treatment

Complimentary access to live online wellness classes, including yoga, Zumba ® and meditation sessions

Enrollment outside of the open enrollment period is allowed under certain circumstances (Special Enrollment Period) such as an involuntary loss of employer sponsored coverage. If you believe that you qualify for this special enrollment period, please call us at (855) 354-4742 and we will be happy to assist you.


Schedules of Benefits (SOB) & Summary of Benefits and Coverage (SBC)

View Schedules of Benefits and Summaries of Benefits and Coverage for individual plans.



Rate Justification for Massachusetts Individual Plans

As per the Affordable Care Act, health insurers are required to post information on their websites to help explain individual market rate increases. See the rate justification notice for reference.