All Things Insurance — Massachusetts Data Hub

Massachusetts Insurance at a Glance

The Commonwealth leads the nation in healthcare costs, saw a dramatic spike in homeowners premium in 2024, and has one of the most concentrated auto markets in the country.

⚠️ Health premium gap

MA families pay $3,611 MORE per year than the national average

$28,151 (MA) vs $24,540 (US) — 14.7% above national

Source: Kaiser Family Foundation EHBS 2024

⚠️ Home insurance surge

MA homeowner premium jumped 12.7% in 2024 alone — and 35.9% since 2021

Average premium: $1,744 (2021) → $1,818 (2022) → $2,054 (2023) → $2,371 (2024). Total written premium: $3.6B in 2024.

Source: MA DOI Annual Home Insurance Report 2024

⚠️ Auto market concentration

Top 10 auto carriers hold 84.64% of the market

Commerce leads at 18.33% (declining from 22.1% in 2020). Progressive surged from 5.1% (2020) to 12.17% (2025) — a 139% increase.

Source: Agency Checklists 2nd Look 2026 Market Share Report, citing CAR statistical agent data

Written Premium by Line of Insurance

MA market, most recent year ($B)

Sources: DOI 2024 Home Insurance Report; DOI 2022-2023 Annual Report (auto 2023); CHIA 2026 Annual Report (health)

Year-over-Year Premium Growth by Line

% change, MA market, 2020–2024

Sources: KFF EHBS (health); DOI Annual Home Insurance Report (home); DOI 2022-2023 Annual Report (auto)

ℹ️

Reading this dashboard: every KPI, chart caption, callout, and table row lists its source document. Primary sources are MA DOI annual reports, MA CHIA annual and cost trends reports, KFF, CMS, Census Bureau ACS, BLS, and the official CAR Annual Reports. For details on each pipeline, see the Sources tab.

Health Premium Comparison

Massachusetts vs. national employer-sponsored family premiums

MA Family Premium (2024)

$28,151

Monthly

$2,346

Employee Share ~28%

$7,882

Source: KFF EHBS 2024

US Family Premium (2024)

$24,540

Monthly

$2,045

Employee Share

$6,296

Source: KFF EHBS 2024

MA Premium Gap

+$3,611

% Above National

+14.7%

Rank

#1 Highest

Source: KFF EHBS 2024

Family Premium Trend: MA vs. US

Annual family premiums, 2020–2024

Source: KFF Employer Health Benefits Survey, annual editions 2020–2024

Employee Out-of-Pocket Share

Annual worker contribution

Source: KFF EHBS, annual editions 2020–2024

2026 Finalized Rate Increases

MA Division of Insurance finalized rates July 2025 — saved consumers $54M vs. proposed rates

⚠️ DOI Finalized: 7.1% – 12.2%

2 carriers REJECTED — BCBS & WellSense

Original proposals averaged 13.4%. DOI negotiated $54M in savings. Drivers included GLP-1 spending, behavioral health utilization, hospital contracting costs.

Source: MA DOI finalized rate decisions, July 2025

2026 Finalized Rate Increases by Carrier

DOI approved (red/amber/green) vs. rejected (grey)

Source: MA DOI rate filing decisions, July 2025

Proposed vs. Approved Rates

DOI negotiated reductions of 1.0–3.3 percentage points

Source: MA DOI rate filing decisions, July 2025

Carrier	Proposed	Approved	Status	Members
Harvard Pilgrim	14.8%	12.2%	Approved (highest)	~421K combined
Tufts Health Plans	13.2%	11.1%	Approved	187K+
Health New England	10.4%	9.4%	Approved	—
UnitedHealthcare	12.3%	~10.5%	Approved	—
Mass General Brigham	—	~9%	Approved	—
Fallon Community	9.9%	7.1%	Approved (lowest)	5.6% of market
Blue Cross Blue Shield	12.9%	REJECTED	Excessive	166K
WellSense	16.2%	REJECTED	Excessive	133K

Source: MA DOI rate filing decisions and public hearing record, July 2025

🔴

Key drivers of 2026 rate hikes: GLP-1 weight-loss drugs (BCBS spent $300M+ on 5 drugs in 2024), rising behavioral health utilization, aging population, expiring ACA enhanced subsidies. BCBS announced it will stop covering GLP-1s for weight loss in 2026, reducing its rate request by ~3%.Source: MA DOI rate hearing testimony, July 2025

Healthcare Spending & Taxpayer-Funded Coverage

Total Massachusetts health care expenditures against the state's cost-growth benchmark, plus MassHealth — the state's Medicaid / CHIP program and the single largest taxpayer-funded health coverage in the Commonwealth.

Per-Capita Spending: MA vs. US

$13,319 (MA) vs $10,191 (US) — +30.7% above national

Source: CMS State Health Expenditure Accounts (2020 latest)

THCE Growth vs. CHIA Benchmark

Actual 8.6% vs. 3.6% benchmark — 139% above target

Source: CHIA Annual Report 2025 (FY 2023 data)

⚠️ THCE Exceeded Benchmark by 139%

8.6% actual growth vs. 3.6% benchmark

Massachusetts has set a 3.2%–3.6% cost-growth benchmark annually since 2013. The 2023 actual was the largest overshoot on record.

Source: CHIA Annual Report 2025

MassHealth — Medicaid & CHIP Enrollment

The state's Medicaid and Children's Health Insurance Program, jointly funded by Massachusetts and federal taxpayers. Covers roughly 1 in 4 MA residents.

Current Enrollment (Feb 2026)

1,909,412

MoM Change

-13,691 (-0.7%)

Member Months (Dec 2025)

1,965,922

Source: MassHealth Enrollment Snapshot, February 2026

Pandemic Peak (Dec 2022)

2,337,799

Driver

PHE continuous coverage

vs. Dec 2019 (pre-pandemic)

+33.5%

Source: MassHealth Enrollment Snapshot, December 2022

Post-PHE Decline

-428,387

From 2022 Peak

-18.3%

Period

Dec 2022 → Feb 2026

Source: Calculated from MassHealth monthly snapshots

⚠️ Public Health Emergency unwinding

MassHealth has shed roughly 428,000 members since the 2022 peak

COVID-era continuous-coverage rules ended in spring 2023, triggering MA's first major redeterminations in three years. Enrollment has declined every year since, and Feb 2026's 1.91M is close to pre-pandemic Dec 2019 (1.75M).

Source: MassHealth Enrollment Snapshots, December 2019 through February 2026

MassHealth Total Enrollment, Dec 2017 – Feb 2026

Year-end snapshot, excluding DMH clients not eligible under ACA

Source: MassHealth Enrollment Snapshot reports, Dec 2017 through Feb 2026

Feb 2026 Enrollment by Plan Type

Largest plan-type buckets

Source: MassHealth Enrollment Snapshot, February 2026

Enrollment by Plan Type, Feb 2026

All MassHealth plan types with current membership

Source: MassHealth Enrollment Snapshot, February 2026

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Plan types explained: ACO-A and ACO-B are the state's two Accountable Care Organization models, which together cover the bulk of MassHealth members. SCO = Senior Care Options (dually-eligible). One Care covers adults aged 21–64 eligible for both MassHealth and Medicare. PCC = Primary Care Clinician. FFS = Fee-for-Service. TPL = members with third-party commercial coverage.Source: MassHealth Enrollment Snapshot methodology notes

Health Affordability by Demographic

Who is most impacted by Massachusetts' healthcare costs

Affordability Issues by Race/Ethnicity

% reporting difficulty affording healthcare

Source: CHIA 2025 Massachusetts Health Insurance Survey / CHIA Annual Report 2025

Premium as % of Median Income (MA vs US)

Family premium burden

Sources: KFF EHBS 2024; US Census Bureau ACS 2023/2024

🔴

58.2% of Hispanic/Latino residents report difficulty affording healthcare vs. 39.2% of white residents. Near-universal coverage hasn't erased cost barriers for communities of color.Source: CHIA Annual Report 2025

MA Family Premium as % of Median Income

27.1%

MA Median HH Income (2024)

$103,960

Family Premium

$28,151

Sources: Census ACS 2024; KFF EHBS 2024

US Family Premium as % of Median Income

24.2%

US Median HH Income

$80,610

Family Premium

$24,540

Sources: Census ACS; KFF EHBS 2024

MA Income Advantage

+$23.4K

Income Above US

+29.0%

But Premium Gap

+$3,611

Sources: Census ACS; KFF EHBS 2024

Insurance Cost Growth vs. Income & Inflation

Do Massachusetts insurance premiums outpace household income growth and consumer inflation? Compiled from official MA DOI, KFF, Census Bureau, and BLS figures.

⚠️ Home insurance is the real outlier

MA homeowner premium grew 35.9% from 2021 to 2024

That's almost 2× faster than MA median household income (+~19% over the same 3 years) and almost 3× faster than Boston CPI (~13%). The average homeowner premium went from $1,744 to $2,371.

Sources: MA DOI Annual Home Insurance Report 2024; US Census Bureau ACS; BLS CPI-U Boston-Cambridge-Newton

⚠️ Health premium roughly tracks inflation — for now

Family health premium +19.6% from 2020 to 2024, vs Boston CPI +19%

Health has moved roughly in line with inflation over the 4-year window, but lags MA income growth (+23.2%). The 2026 DOI-approved rates of 7.1–12.2% will break this pattern — 2026 Boston CPI is tracking at 1.4%.

Sources: KFF EHBS 2020–2024; US Census Bureau ACS 2020–2024; BLS CPI-U Boston-Cambridge-Newton

⚠️ Auto had a single-year shock in 2023

MA average auto premium jumped $152 in 2023 alone

From 2013 through 2022, annual changes ranged from -$13 to +$40. Then 2023 posted a +$152 jump — the single largest in the decade. Cumulative auto-expenditure growth: 3.1% per year since 2013.

Source: MA DOI 2022-2023 Annual Report (Private Passenger Automobile Insurance section)

Cumulative Growth, Indexed (2020 = 100)

How premiums compare to income and inflation since 2020

Sources: KFF EHBS (health), MA DOI Home Insurance Reports (home, 2021 base), US Census Bureau ACS (income), BLS CPI-U Boston-Cambridge-Newton (inflation)

Annual % Change, 2021–2024

Year-over-year comparison

Sources: KFF EHBS; MA DOI Home Insurance Reports; US Census Bureau ACS; BLS CPI-U Boston

Metric	2020	2021	2022	2023	2024	Cumulative	Source
MA Family Health Premium	$23,541	$24,805	$25,262	$27,240	$28,151	+19.6%	KFF EHBS
MA Avg Homeowner Premium	—	$1,744	$1,818	$2,054	$2,371	+35.9%*	MA DOI Home Ins. Report
MA Median Household Income	$84,385	$89,645	$96,505	$101,341	$103,960	+23.2%	US Census Bureau ACS
Boston CPI-U (cumulative)	100.0	104.6	112.2	116.7	119.1	+19.1%	BLS Boston-Cambridge-Newton
MA Avg Auto Premium Change/yr	-$13	-$5	+$12	+$152	—	+3.1%/yr since 2013	MA DOI 2022-2023 Annual Report

* Home premium percentage covers 2021→2024 (3 years) because DOI reports the $1,744 figure from the 2021 baseline. Boston CPI values are indexed to 2020=100.

⚠️

Bottom line: home insurance is growing at roughly twice the rate of income and inflation — the affordability crisis driven by coastal exposure, reinsurance costs, and climate risk is real and measurable. Health insurance has kept pace with inflation in recent years, but the approved 2026 rates of 7.1–12.2% will push it well past inflation again. Auto premiums saw a historic single-year shock in 2023.Analysis: MA DOI Home Insurance Report 2024; KFF EHBS; Census ACS; BLS CPI-U Boston

Homeowners Insurance

Source of record: MA DOI Commissioner's Report on Home Insurance 2024 and the accompanying Statistical Supplement. All figures taken directly from the report.

Written Premium (2024)

$3.6B

YoY Growth

+12.7%

Prem. Paid

$3.9B

Source: MA DOI Annual Home Insurance Report 2024

FAIR Plan Share (2024)

8.7%

2007 Peak

16.1%

+24,436 policies in 2024

Source: MA DOI Annual Home Insurance Report 2024

Total Policies (2024)

2,124,812

YoY

-0.9%

Reporting Basis

House-years

Source: MA DOI Annual Home Insurance Report 2024

⚠️ Cape & Islands dependence

FAIR Plan writes 39.6% of home policies in the Cape & Islands

In all other MA counties, FAIR Plan writes under 12%. The Cape, Dukes, and Nantucket counties have become reliant on the state-backed residual market as admitted carriers retreat from coastal risk.

Source: MA DOI Annual Home Insurance Report 2024

Average Premium by Coverage Type

Trend 2022–2024; homeowner premium up +30.4% over 2 years

Source: MA DOI Annual Home Insurance Report 2024 (Figure 12)

Market Structure (Voluntary market, 2024)

Top 10 carrier groups: 63.4% · Top 25: 92.7%

Source: MA DOI Annual Home Insurance Report 2024 (Figure 2); NAIC 2024 annual statement data

Policies in Force by County (2024)

Largest counties by home insurance policies

Source: MA DOI Annual Home Insurance Report 2024 (Figure 7)

Mandatory Wind Deductible Coverage

Share of coastal vs. urban policyholders with mandatory wind deductible

Source: MA DOI Annual Home Insurance Report 2024 (top 25 insurers + FAIR Plan)

🔴

2024 catastrophe losses: 7 events classified as loss catastrophes resulted in an estimated $157.1M in Massachusetts property losses — primarily from wind and thunderstorm. MPIUA was reorganized April 4, 2024 as a stand-alone joint underwriting association.Source: MA DOI Annual Home Insurance Report 2024; Property Claims Services (PCS), ISO

Private Passenger Auto

What drivers actually pay — plus market structure. Sources: NAIC Auto Insurance Database (2023); MA DOI 2022-2023 Annual Report; CAR Annual Reports; Agency Checklists market share reports.

✓ MA auto is cheaper than the national average

$1,326 in MA vs. $1,438 nationally — MA is 7.8% BELOW the US average

Massachusetts ranks #17 of 51 states for average full-coverage auto premium — in the middle of the pack, well below states like Louisiana, Florida, and Michigan. The managed-competition regime (2008+) and the state's historically dense independent-agent network keep prices competitive.

Source: NAIC 2023 Auto Insurance Database Average Premium Supplement (published June 2025)

⚠️ 2023 saw an unusually large jump

MA auto premiums rose +$152 per vehicle in 2023 alone

From 2013 through 2022, year-over-year dollar changes ranged from −$13 to +$40. 2023's +$152 was the largest single-year increase in a decade, driven by repair costs, labor, and severity. Multi-year growth averages 3.1% per year since 2013.

Source: MA DOI 2022-2023 Annual Report (Figure: Average Change in Personal Auto Insurance Premium)

⚠️ July 2025 statutory minimum hike

Minimum-coverage auto premium jumped roughly 36% on July 1, 2025

A Massachusetts statute raised compulsory liability limits effective July 1, 2025 — the first increase in decades. For drivers carrying minimum coverage only, the average premium rose from approximately $524/year to $711/year. Full-coverage drivers saw a smaller impact.

Source: MA statutory change effective July 1, 2025; Bankrate analysis of Quadrant Information Services data

Avg Full Coverage Premium (MA, 2023)

$1,326

2022

$1,251

YoY Change

+6.0%

Source: NAIC 2023 Auto Insurance Database Avg Premium Supplement

National Avg (2023)

$1,438

US 2022

$1,257

YoY Change

+14.4%

Source: NAIC 2023 Auto Insurance Database Avg Premium Supplement

MA State Rank

#17 of 51

Gap vs. US

−$112 (−7.8%)

Trend

Middle of pack

Source: NAIC 2023 Auto Insurance Database

MA vs. National Average Auto Premium

Full-coverage expenditure per insured vehicle, 2022–2023

Source: NAIC Auto Insurance Database Average Premium Supplements, 2022 & 2023

Annual Change in MA Auto Premium, 2013–2023

$ change per vehicle vs. prior year — note the 2023 spike

Source: MA DOI 2022-2023 Annual Report

Market Structure & Carrier Landscape

Who writes MA auto insurance, market concentration, and the residual market (CAR/MAIP).

Written Premium (2023)

$6.47B

Carriers Writing

36+

Source: MA DOI 2022-2023 Annual Report

MAIP Residual Share (FY2025)

~2%

FY2022

<0.5%

Source: CAR 2025 Annual Report

New Entrants Since 2008

Managed Comp.

Apr 1, 2008

Source: MA DOI 2022-2023 Annual Report

Top 10 MA Auto Carriers by Market Share (2025)

% of total exposures, December 2025 data

Source: Agency Checklists 2nd Look 2026 Market Share Report, citing CAR statistical agent data

Market Leader Trends, 2020–2025

Commerce declining; Progressive surging

Source: Agency Checklists 1st/2nd Look 2026 Market Share Reports, citing CAR data

Residual Market Share (Private Passenger), 2014–2025

% of passenger cars insured through CAR/MAIP

Sources: MA DOI 2022-2023 Annual Report (2014–2023); CAR Annual Reports (2024–2025)

ℹ️

Why MA auto is cheaper despite high cost of living: The Commonwealth's "managed competition" regime (since April 2008) replaced state-set rates with carrier-filed rates, attracting 24 new insurers into the market. Combined with a dense independent-agent network and tight residual-market rules, this keeps voluntary-market premiums competitive. Even so, 2023 saw a sharp spike driven by repair cost inflation.Sources: NAIC; MA DOI 2022-2023 Annual Report; CAR Annual Reports

Market Conduct & Consumer Complaints

Source of record: MA DOI Consumer Services Unit, as reported in the DOI 2022-2023 Annual Report.

Formal Complaints / Month

~300

Full-year 2022-23 avg

~3,600

Avg Resolution

70 days

Source: MA DOI 2022-2023 Annual Report

New Complaints Opened (Period)

1,700

Cases Closed

1,568

Info Requests Handled

5,250

Source: MA DOI 2022-2023 Annual Report

Most-Complained Lines

Auto, Home, Health

Consistently Top 3

Multi-year

Source: MA DOI 2022-2023 Annual Report

Rank	Top 5 Complaint Reasons (2022-23)	Top 5 Companies Complained Against (2022-23)
1	Denial of Claim	Blue Cross Blue Shield of Massachusetts
2	Claim Delay	LM General Insurance Co. (Liberty Mutual)
3	Unsatisfactory Settlement / Offer	Government Employees Insurance Company (GEICO)
4	Premium & Rating	Progressive Direct Insurance Co.
5	Cancellation	Commerce Insurance Company (MAPFRE)

Source: MA DOI 2022-2023 Annual Report, Consumer Services Unit section

Merit Rating Board: At-Fault Hearings Decided

Board of Appeal hearings on at-fault accident determinations

Source: MA DOI 2022-2023 Annual Report (Board of Appeal section)

At-Fault Appeal Outcomes (2023)

By decision type

Source: MA DOI 2022-2023 Annual Report

DOI Licensed Individuals & Entities

Source: MA DOI Producer Licensing Unit, 2022-2023 Annual Report. The monthly licensee XLSX roster provides live updates.

Insurance Producers (2023)

167,552

2022

188,273

YoY

-11.0%

Source: MA DOI 2022-2023 Annual Report

Adjusters, Brokers & Specialists (2023)

9,528

Surplus Lines

4,138

MV Damage Appraisers

4,670

Source: MA DOI 2022-2023 Annual Report

NIPR Transactions (2023)

324,000

Auto-Processed

97.9%

Appointments

145,000

Source: MA DOI 2022-2023 Annual Report

Active Licenses by Type (2023)

MA DOI licensee roster

Source: MA DOI 2022-2023 Annual Report, Producer Licensing section

Producer License Trend (2022 vs 2023)

Largest categories

Source: MA DOI 2022-2023 Annual Report

Data Sources & Citations

Every figure on this dashboard is drawn from a primary public source. Status indicates whether the data is published here live, has a pending automated ingester, or is unavailable.

🗝️

Live published on this dashboard · Ingester pending automated pipeline under construction · Gated paywall, login, or the data is not published at all

Source	Status	Format	Cadence	Used For
Kaiser Family Foundation — EHBS	Live	Report + CSV	Annual	Family premium MA vs. US (2020–2024)
MA DOI — Annual Home Insurance Report 2024	Live	PDF	Annual	$3.6B premium, 8.7% FAIR Plan, carrier market share, wind deductibles, catastrophes
MA DOI — Statistical Supplement 2024	Live	PDF	Annual	Zip-code-level home insurance detail
MA DOI — 2022-2023 Annual Report	Live	PDF	Biennial	Auto premium, residual market, licensee counts, complaints, Merit Rating Board
MA DOI — 2026 rate filing decisions (Jul 2025)	Live	Press release + SERFF	Annual	2026 approved/rejected health rates
CHIA — Annual Report 2025 & 2026	Live	PDF + XLSX	Annual	THCE, spending, affordability by race, benchmark
CMS State Health Expenditure Accounts	Live	CSV	Annual	Per-capita MA vs. US spending
CAR Annual Reports 2022/2024/2025	Live	PDF	Annual	MAIP residual share, commercial auto, financial results
Agency Checklists Market Share Reports (1st/2nd Look 2026)	Live	Article	Quarterly	Per-carrier auto market share (cites CAR data)
US Census Bureau ACS	Live	CSV/API	Annual	MA median household income
BLS CPI-U Boston-Cambridge-Newton	Live	CSV	Monthly	Inflation benchmark for affordability analysis
NAIC Auto Insurance Database Avg Premium Supplement	Live	PDF	Annual	MA avg auto premium $1,326 (2023); national comparison; state rank
DOI PPA Rate Filings XLSX (2008–2026)	Live	XLSX	Rolling	1,375 rate filings by carrier, year, type
MA DOI Licensee XLSX (monthly)	Ingester built	XLSX	Monthly	Live licensee roster tracking
CMS Marketplace & Rate Review PUFs	Ingester built	CSV (zip)	Annual	ACA plan-level rate data
data.mass.gov Socrata	Ingester built	JSON/CSV API	Variable	Catalog discovery
NHTSA FARS (MA subset)	Ingester built	CSV (zip)	Annual	Auto crash context
SERFF MA Filings Portal	Scraper pending	HTML + PDF	Rolling	Live rate filings across all lines
NAIC CIS Complaint Index	Scraper pending	HTML	Annual	Per-carrier normalized complaint scores
Health Connector Tableau dashboard	Scraper pending	Tableau JSON	Weekly (OE)	Weekly enrollment
CAR transactional statistical plan data	Gated	Member-only	—	Not published
MRB driver records	Gated	Individual only	—	Not aggregated publicly
NAIC InfoPro / Financial Data Repository	Gated	Paid subscription	—	Paywall
CHIA APCD row-level	Gated	CSV	—	Application-gated
MA surplus lines premium	Gated	—	—	Not published by MA

⚠️

No FOIA dependency. Every pipeline hits a federal source, a public portal, or a voluntarily disclosed industry document. Massachusetts public-records requests are not part of the workflow.