Health insurance

Towns compared

On the state’s figure, which added Medicare and life in FY2024, spending grew 6.84% a year from FY2015.

Health spending growth, nearby towns
Value
Westford7.73%
Lunenburg6.84%
Leominster6.54%
Fitchburg5.93%
Littleton5.43%
Lancaster4.31%
Median municipality4.19%
Harvard3.62%
Groton3.27%
Townsend2.67%
Ayer2.30%
Shirley-8.14%

A year, FY2015-FY2025, as filed. Lunenburg’s FY2024 figure added Medicare and life. A fall draws to the left of zero.

1 · The facts

  • 6.84%

    a year, Lunenburg, FY2015-FY2025

  • 4.19%

    a year, the median municipality

  • 301 of 343

    place, slowest growth first

  • 155 of 343

    grew under 4% a year over the decade

  • 4.11%

    median, 259 fully insured towns, as Lunenburg is

  • 4.86%

    median, 51 self-insured towns

  • —

    whether every town counts the same accounts

    not published

2 · What it shows

  1. 1

    Lunenburg ranks 301 of 343 by growth, slowest first.

  2. 2

    155 of 343 municipalities held growth under 4% a year over the same decade.

  3. 3

    Levels are not compared: a self-insured town’s figure includes the employee’s share.

The towns this project compares against
FY2015FY2025A year
Westford$8,186,031$17,239,5567.73%
Lunenburg$1,568,744$3,038,8326.84%
Leominster$19,308,192$36,365,7696.54%
Fitchburg$16,973,461$30,208,0915.93%
Littleton$3,035,390$5,148,7165.43%
Lancaster$488,439$744,8454.31%
Harvard$2,046,430$2,921,5883.62%
Groton$1,360,249$1,876,9283.27%
Townsend$846,681$1,102,3382.67%
Ayer$1,264,714$1,587,0632.30%
Shirley$505,948$216,504-8.14%

Health insurance spending as each town filed it on Schedule A. Compare the rate, not the level; what each town’s figure contains differs.

Sources

What changed

Version 15 — updated September 20, 2026