Harvard Pilgrim Health Care

ACA marketplace issuer - 9 plans across 10 counties

1
State
10
Counties
9
Plans
$525
Avg Premium (Age 27)
The short answer

Harvard Pilgrim Health Care is a single-state ACA marketplace issuer offering 9 plans across 1 state and 10 counties. Its average age-27 premium of $525/mo runs $115 below the national marketplace average of $640/mo.

vs Market Average

Harvard Pilgrim Health Care's average premium of $525/mo is $115 below the national market average of $640/mo.

Harvard Pilgrim Health Care at a Glance

Harvard Pilgrim Health Care is an ACA marketplace issuer offering 9 plans across 1 state and 10 counties. Its average age-27 premium is $525/mo, the standardized rate marketplaces use for apples-to-apples comparison. Plan types on offer include HMO, each with distinct network rules for referrals, in-network cost-sharing, and out-of-network access.

Compared with the national marketplace average of $640/mo, Harvard Pilgrim Health Care's average premium lands about $115 below. Lower issuer averages typically indicate concentration in lower-cost regions or a Bronze-heavy plan mix rather than leaner benefits, since all ACA plans must cover the same 10 essential health benefits.

The largest single-state presence is NH with 90 plans, though availability and exact plan lineup vary county by county within each state. Confirm specific plans, network hospitals, and provider directories directly with the issuer or on HealthCare.gov before enrolling. PlainHealthPlan is not affiliated with Harvard Pilgrim Health Care. This page is informational only and is not insurance, medical, or financial advice.

Plan Types

HMO

Metal Levels Offered

Gold Silver Expanded Bronze

Harvard Pilgrim Health Care average premium by metal level

The premium ladder across Harvard Pilgrim Health Care's 9 ACA plans, average monthly premium (age 27) by metal tier. Bronze trades a low premium for a high deductible; Gold and Platinum invert it.

Harvard Pilgrim Health Care: average premium by metal level

Expanded Bronze$447/moSilver$556/moGold$572/mo
Source: CMS Marketplace Public Use Files, plan year 2026.

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Frequently Asked Questions

How many plans does Harvard Pilgrim Health Care offer on the ACA marketplace?
Harvard Pilgrim Health Care offers 9 ACA marketplace plans across 1 state and 10 counties. Plans are available in Gold, Silver, Expanded Bronze metal tiers.
What is Harvard Pilgrim Health Care's average premium?
Harvard Pilgrim Health Care's average monthly premium is $525 for a 27-year-old. This is $115 below the national marketplace average of $640/mo.
What plan types does Harvard Pilgrim Health Care offer?
Harvard Pilgrim Health Care offers HMO plan types. Plan type determines how you access providers, HMO plans require referrals and in-network care, while PPO and POS plans offer more flexibility at higher premiums.
In which states does Harvard Pilgrim Health Care sell ACA plans?
Harvard Pilgrim Health Care sells ACA marketplace plans in 1 state, covering 10 counties. The largest presence is in NH with 90 plans. Availability varies by county, check your specific county for plan options.

Disclaimer: This page is for informational purposes only. Data comes from CMS Marketplace Public Use Files. PlainHealthPlan is not affiliated with Harvard Pilgrim Health Care or any insurance company. Premiums shown are base rates and may not reflect your actual cost.

Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial