Massachusetts Insurance at a Glance

Massachusetts is among the costliest states for health care, not the costliest: 3rd-highest per-capita health spending of the 50 states (CMS, 2020, the newest state data) and the 4th-highest employer family premium (AHRQ MEPS-IC, 2025; 1st in 2024). It also 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 family coverage costs $3,338 MORE per year than the national average

$29,619 (MA) vs $26,281 (US), 2025 — 12.7% above national, 4th-highest of 50 states

Source: AHRQ Medical Expenditure Panel Survey, Insurance Component (MEPS-IC) 2025, private-sector state estimates, as published in KFF State Health Facts

⚠️ 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: AHRQ MEPS-IC 2025 via KFF State Health Facts (health); DOI Annual Home Insurance Report (home); DOI 2022-2023 Annual Report (auto)

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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, AHRQ MEPS-IC, 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

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Why these premiums come from MEPS-IC. AHRQ’s Medical Expenditure Panel Survey, Insurance Component, is the federal survey that publishes employer premiums state by state; its 2025 tables are the newest. The KFF Employer Health Benefits Survey covers the nation only, so its US average is not comparable with the state figures below and is not used.

MA Family Premium (2025)

$29,619

Monthly

$2,468

Employee Share ~25%

$7,501

Source: AHRQ MEPS-IC 2025 (via KFF)

US Family Premium (2025)

$26,281

Monthly

$2,190

Employee Share

$7,314

Source: AHRQ MEPS-IC 2025 (via KFF)

MA Premium Gap (2025)

+$3,338

% Above National

+12.7%

Rank

4th of 50 (1st in 2024)

Source: AHRQ MEPS-IC 2025 and 2024 (via KFF); behind AK, NY, NJ

Family Premium Trend: MA vs. US

Average total family premium per enrolled employee, private sector, 2020–2025

Source: AHRQ MEPS-IC, Table II.D.1 (Massachusetts and United States state tables), 2020–2025

Employee Out-of-Pocket Share

Annual employee contribution to family coverage

Source: AHRQ MEPS-IC, Table II.D.2, 2020–2025

Merged Market Rate Decisions: 2026 and 2027

Every figure here is DOI’s final approved rate, not the July announcement. Both years were decided in two stages, and the stage-one press coverage is still what most summaries repeat.

⚠️ 2027 final: 10.8% weighted average

Approved increases run 6.7% to 19.2% across 697,848 members

Carriers proposed 12.9%; DOI approved 10.8%. Second consecutive double-digit year, against 3.2% a few years ago. Medical and pharmacy claims account for 12.0 points of the increase, offset 1.2 points by thinner benefits and higher cost sharing.

Source: MA DOI CY2027 Final Rate Summary Tables (decision 22 July 2026)

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Why the published average moved after the decision. On 22 July 2026 DOI approved seven carriers averaging 10.4% and rejected Fallon’s filing outright, so Fallon had no approved rate and press coverage settled on 10.4%. Fallon’s rate was later set at 19.2%, and DOI’s eight-carrier table now averages 10.8%. The same thing happened in 2026: BCBS and WellSense were rejected in July 2025, then settled at 11.9% and 13.6%. A rejection is the middle of the process, not the end of it.Sources: MA DOI CY2027 Final Rate Summary Tables; MA DOI 2026 Final Rate Filing Summary

Approved Rate Increase by Carrier, 2026 vs 2027

DOI final approved rates, both years, all eight carriers

Sources: MA DOI 2026 Final Rate Filing Summary; CY2027 Final Rate Summary Tables

2027 Proposed vs. Approved

DOI cut every carrier except Harvard Pilgrim; Tufts fell 4.3 points and Fallon 6.5

Source: MA DOI CY2027 proposed and final rate summary tables

Carrier	2026 approved	2027 proposed	2027 approved	DOI cut	2027 members
Fallon Community Health Plan	7.2%	25.7%	19.2%	−6.5 pts	29,641
Blue Cross Blue Shield (HMO Blue)	11.9%	15.3%	13.2%	−2.1 pts	166,384
Mass General Brigham Health Plan	7.6%	13.5%	12.2%	−1.3 pts	78,878
Boston Medical Center (WellSense)	13.6%	11.9%	11.4%	−0.5 pts	140,089
UnitedHealthcare	9.4%	14.2%	10.9%	−3.3 pts	19,829
Health New England	9.5%	11.1%	10.4%	−0.7 pts	23,143
Tufts Health Public Plans	11.5%	11.8%	7.5%	−4.3 pts	160,566
Harvard Pilgrim	12.6%	6.7%	6.7%	none	79,318
Weighted average / total	11.5%	12.9%	10.8%	−2.1 pts	697,848

Sources: MA DOI 2026 Final Rate Filing Summary; MA DOI CY2027 Final and Proposed Rate Summary Tables. Rows ordered by 2027 approved rate. 2026 enrolment totalled 721,441 across the same eight carriers, so the market shrank by 23,593 renewing members year on year.

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What is driving both years. Claims are nearly the whole story: medical and pharmacy claims contribute 12.0 points of the 10.8% approved for 2027, and 12.0 points of the 11.5% approved for 2026. Pharmacy trend alone runs 12.5% for 2027, against 9.7% medical. Carriers cited GLP-1 weight-loss drugs, behavioral health utilization, an aging population and expiring ACA enhanced subsidies. What holds the headline rate below claims trend is thinner coverage: benefit and cost-sharing changes subtract 1.2 points in 2027 and 0.9 in 2026, so part of the moderation is members buying less insurance rather than care costing less.Sources: MA DOI CY2027 Final Rate Summary Tables; MA DOI 2026 Final Rate Filing Summary; DOI rate hearing testimony

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; 3rd-highest of 50 states, behind NY and AK (DC is higher still)

Source: CMS Health Expenditures by State of Residence, personal health care per capita, 2020 (the newest state edition; checked Oct 2026)

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, 2024

Sources: AHRQ MEPS-IC 2024, Table II.D.1; US Census Bureau ACS 2024 5-year, B19013 (both MA and US)

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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 (2024)

27.1%

MA Median HH Income (ACS 2024 5-yr)

$103,960

Family Premium

$28,151

Sources: Census ACS 2024 5-year; AHRQ MEPS-IC 2024

US Family Premium as % of Median Income (2024)

30.4%

US Median HH Income (ACS 2024 5-yr)

$80,734

Family Premium

$24,540

Sources: Census ACS 2024 5-year; AHRQ MEPS-IC 2024

MA Income Advantage (2024)

+$23.2K

Income Above US

+28.8%

Premium Gap

+$3,611

Sources: Census ACS 2024 5-year; AHRQ MEPS-IC 2024. The higher income more than covers the higher premium: as a share of income, the MA family premium is lower than the US one.

Insurance Cost Growth vs. Income & Inflation

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

⚠️ Home insurance is the real outlier

MA homeowner premium grew 35.9% from 2021 to 2024

That is about twice the growth in MA median household income over the same three years (+16.8%, ACS 5-year) and about 2.5 times Boston CPI (+14.6%, annual averages). 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 premiums outran inflation and income

Family health premium +28.2% from 2020 to 2024, against Boston CPI +18.3% and MA median household income +23.2%

The average Massachusetts family premium went from $21,965 in 2020 to $28,151 in 2024, then to $29,619 in 2025, up 5.2% in a single year. The Division of Insurance approved 11.5% for 2026 and 10.8% for 2027, two consecutive double-digit years.

Sources: AHRQ MEPS-IC Table II.D.1, 2020–2025; US Census Bureau ACS 5-year; BLS CPI-U Boston-Cambridge-Newton annual averages; MA DOI final rate summaries (2026 and 2027 rates)

⚠️ 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: AHRQ MEPS-IC (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: AHRQ MEPS-IC; 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	$21,965	$22,163	$23,348	$26,355	$28,151	+28.2%	AHRQ MEPS-IC (II.D.1)
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	$89,026	$96,505	$101,341	$103,960	+23.2%	US Census Bureau ACS 5-year (B19013)
Boston CPI-U (cumulative)	100.0	103.3	110.6	114.7	118.3	+18.3%	BLS CPI-U Boston-Cambridge-Newton (CUURS11ASA0), annual averages
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 BLS annual averages indexed to 2020=100. Income is the ACS 5-year estimate for each year.

⚠️

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. Employer family health premiums have outrun both inflation and income since 2020, and the approved rates of 11.5% for 2026 and 10.8% for 2027 extend that run. Auto premiums saw a historic single-year shock in 2023.Analysis: MA DOI Home Insurance Report 2024; AHRQ MEPS-IC; 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 Average Premium Supplement (2024 edition, published Oct 2026); MA DOI 2025 and 2022-2023 Annual Reports; CAR Annual Reports.

⚠️ MA auto costs more than the national average, not less

$1,504 per insured vehicle in MA vs. $1,432 nationally in 2024 — MA is 5.0% ABOVE the US average

Massachusetts is the 15th-costliest of 51 jurisdictions on average expenditure, and has been above the national average in every year from 2020 to 2024. The gap has narrowed, from +11.7% in 2020 to +5.0% in 2024, but it has not closed. Louisiana, Florida and New York remain far more expensive.

Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (published 1 Oct 2026), average expenditure table

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Expenditure and premium are different measures, and this page previously mixed them. NAIC publishes both. Average expenditure is what the average insured vehicle actually costs, so it reflects how much coverage drivers buy; on that measure MA is 5.0% above national. Combined average premium adds the liability, collision and comprehensive averages together, which prices a driver who buys all three; on that measure MA is $1,610.84 against $1,612.81, essentially level with the nation and 18th of 51. Comparing MA expenditure against national premium, as an earlier version of this page did, mixes the two and makes Massachusetts look cheaper than it is.Source: NAIC 2024 Auto Insurance Database Average Premium Supplement, average expenditure and average premium tables

⚠️ 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

MA Avg Expenditure (2024)

$1,503.52

2023

$1,326.46

YoY Change

+13.3%

Source: NAIC 2024 Auto Insurance Database Avg Premium Supplement

National Avg Expenditure (2024)

$1,431.63

US 2023

$1,281.61

YoY Change

+11.7%

Source: NAIC 2024 Auto Insurance Database Avg Premium Supplement

MA Rank, Avg Expenditure

15th of 51

Gap vs. US

+$71.89 (+5.0%)

Above US since

2020 (all 5 yrs)

Source: NAIC 2024 Auto Insurance Database, computed over all 51 jurisdictions

MA vs. National Average Auto Expenditure

Average expenditure per insured vehicle, 2020–2024 — MA above national in all five years

Source: NAIC 2024 Auto Insurance Database Average Premium Supplement, average expenditure table

Annual Change in MA Auto Premium, 2013–2023

$ change per vehicle vs. prior year — a DOI series, not comparable with the NAIC figures above

Source: MA DOI 2022-2023 Annual Report. DOI and NAIC measure auto cost differently, so these dollar changes are not the year-on-year differences of the NAIC series.

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 (the newest edition carrying this series)

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)

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Why MA premiums are competitive while MA expenditure is not: On combined average premium — what a driver pays who buys liability, collision and comprehensive — Massachusetts is $1,610.84 against a national $1,612.81, essentially level and 18th of 51. The "managed competition" regime (since April 2008) replaced state-set rates with carrier-filed rates, attracting 24 new insurers, and that plus a dense independent-agent network and tight residual-market rules is what holds the price per policy down. Average expenditure still runs 5.0% above national, because it reflects how much coverage drivers actually buy, not what a given policy costs. Both are true, and quoting the premium figure alone is how this page previously came to claim the state was cheaper than it is.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.

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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
AHRQ MEPS-IC — state tables (Table II, private sector)	Live	XLSX	Annual	Family premium and employee contribution, MA vs. US (2020–2025); state ranks via KFF State Health Facts
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 — CY2027 Final Rate Summary Tables	Live	XLSX	Annual	2027 approved rates by carrier, trend and driver decomposition; decision 22 Jul 2026
MA DOI — 2026 Final Rate Filing Summary	Live	PDF	Annual	2026 final approved rates by carrier, superseding the Jul 2025 announcement
MA DOI — 2025 Annual Report	Live	Web	Annual	$84B market, $321M revenues, 2,132 licensed insurers, 2,167 complaints closed, 42 new PBM licences
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 (2024 ed.)	Live	PDF	Annual	MA avg expenditure $1,503.52 and combined premium $1,610.84 (2024), 2020–2024 series, all 51 jurisdictions
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.

All Things Insurance