You should familiarize yourself with MA’s requirements! Check here: http://www.mass.gov/edu/government/departments-and-boards/ese/programs/educator-effectiveness/licensure/academic-prek-12/teacher/teacher-license-types-and-general-requirements-.html
If I’m reading it correctly, it looks like you can teach without a masters for 10 years (teach with an initial for 5, then extend it for another 5). However, having a masters can increase your salary by around 5k per year, so you might find that pays for itself quickly enough. If it helps, what I did was graduate with a bachelors in English in 3 years, and then do a 1 year masters, so it took the same amount of time/money anyway. Not sure if that’s feasible for you.
So ultimately, if you plan to be teaching for 10+ years, you’ll eventually need a masters. If not, or if you’re not sure you’ll be teaching that long, just a BA should be alright (assuming your school is on the list of approved educator programs). You could also possibly get a masters through night / summer classes in the future, so you won’t need to take an entire year off. You also might want to call to make sure I’m understanding this accurately.