You'll want to get insurance probably before seeking trans therapy/care from a provider. Can you go on Obamacare? I have no experience with that, but I hear it's free for people who don't have or can't afford private insurance.
And check out Planned Parenthood for HRT possibly. It's a nationwide institution, and since it offers HRT here in NC, it should do the same up your way. And see if Massachusetts operates under the Informed Consent model...