Full premium cost (before employer/employee split) for the most common Harvard Pilgrim plan available through the state Group Insurance Commission. FY2019–FY2026.
Full annual premium for one Harvard Pilgrim family plan through the state Group Insurance Commission. Rose from $24,107 (FY19) to $38,562 (FY26), +60% in seven years. The town pays 83% of this premium; employees pay 17%. FY20 data point is derived from state employee rates, not directly from municipal rate sheet. FY21–FY22 rate sheets were not publicly available. Plan name changed from Independence Plan to Access America in FY24.
Rates from GIC published rate charts: FY19 from Wayback Machine archive, FY20 derived from state employee rate sheet, FY23–FY26 from current mass.gov. Plan is Harvard Pilgrim Independence Plan (FY19–FY23) / Access America (FY24–FY26), the most common broad-network option. FY21–FY22 rate sheets not publicly available.
Marblehead pays 83% of the full premium; employees pay 17%. This split is set by agreement with the Public Employee Committee and cannot be changed unilaterally.