HOW IT WORKS:

Our 2 Step 2 Minute process if fast and easy:

You can view what plans are available to you along with price quotes. Quotes are presented for all of the major health insurance carriers available to you including Blue Cross, Blue Shield, Aetna, Humana, United, Assurant, Kaiser (in select states), Cigna, along with regional plan providers.

STEP 1: Applicant Information

In order to provide you with a quote, we need the following information:

- Date of Birth, Height/Weight, and   Gender.

- Whom you would like to insure?

- Basic Health information.

- Contact Information for a licensed   agent to help you

STEP 2: See Quotes

You will be presented with available plans
which fit your profile:

Depending on your location and health profile, this could include quotes from the providers above and others. You will also be given the option to work with a health insurance agent.

Massachusetts affordable care act resource center

CAN I GET HELP APPLYING FOR OBAMACARE IN MASSACHUSETTS?

Yes. Navigators and Certified Application Counselors (CACs) are trained and certified individuals who are available to help you with the application process, enrollment and answer your questions.

To find help near your home visit the MAHealthConnector.gov

HOW CAN I CHECK PLAN PRICES FOR HEALTH INSURANCE IN MASSACHUSETTS?

The Massachusetts Health Connector lets you calculate and compare prices anonymously. You can click “Get Started” to browse plans for rates. The anonymous browsing does not reflect any savings (premium tax credit) you may qualify for unless you complete an eligibility application.

WHAT ARE CONNECTORCARE PLANS (STATE WRAP)?

ConnectorCare plans are a set of plans that offer lower monthly premiums and lower out-of-pocket costs because they are partially paid for by the state. A ConnectorCare plan offers the most savings possible (if you qualify).

WHAT ARE HEALTH CONNECTOR PLANS (QUALIFIED HEALTH PLAN – QHP)?

Health Connector plans, which are Qualified Health plans are grouped like this:

  • bronze plans

    They have the lowest premiums, but the highest co-pays and deductibles.

  • silver plans

    They have lower premiums, but higher co-pays and deductibles.

  • gold plans

    They have lower premiums, but higher co-pays and deductibles.

  • platinum plans

    They have the highest premiums, but the lowest co-pays and deductibles.


  • COMPARE
    PLANS

    Click here to compare
    and choose the
    best plan for you

HOW CAN I CHECK PLAN PRICES FOR HEALTH INSURANCE IN MASSACHUSETTS?

The Massachusetts Health Connector lets you calculate and compare prices anonymously. You can click “Get Started” to browse plans for rates. The anonymous browsing does not reflect any savings (premium tax credit) you may qualify for unless you complete an eligibility application.

The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.

Massachusetts Individuals & Families: Find out the most cost efficient healthcare insurance for you.

WHAT IS A PREMIUM TAX CREDIT OR ADVANCE PREMIUM TAX CREDIT (APTC)?

A premium tax credit is money that the federal government pays directly to your insurance company every month, so you can have lower premiums. Tax credits can also be used towards your dental insurance plan. The credit is based on the income you and the people in your tax household expect to have during the year.

HOW DO I KNOW IF MY SMALL BUSINESS IS ELIGIBLE FOR TAX CREDITS?

Your small business may be eligible for these tax credits:

50% Federal Tax Credit

Employers can get up to a 50 percent federal tax credit when they buy health insurance through the Health Connector, if they:

  • Have 25 or fewer full-time employees, and
  • Pay average annual wages below $50,000, and
  • Pay at least half of the premiums for employee health insurance.

Wellness Track Program and Rebate

The Health Connector offers Wellness Track, a free program offered to eligible employers enrolled in a small business group health plan through the Health Connector.

  • Employers who are not the sole owner and employee of a company and who have fewer than 25 employees total are eligible for the Wellness Track program.
  • Eligible employers who participate may qualify for a Wellness Track rebate of up to 15 percent on their group’s health insurance premium contribution for coverage purchased through the Health Connector.

WHAT IF MY SMALL BUSINESS IS CURRENTLY PARTICIPATING IN A HEALTH PLAN PURCHASED THROUGH HEALTH CONNECTOR, BUT I DIDN’T REGISTER FOR THE WELLNESS TRACK PROGRAM?

The groups who are currently enrolled in a small business group health plan purchased through the Health Connector can register for Wellness Track at any time by calling 617-933-3049617-933-3049 or emailing connector-wellnesstrack@state.ma.us.

WHAT HAPPENS IF EMPLOYERS DON’T OFFER COVERAGE ACCORDING TO THE NEW BILL?

Employers with more than 50 workers will be penalized in 2015 if they don’t offer coverage to their employees under the Affordable Care Act. This policy is referred to as the Shared Responsibility for Employers component of the ACA.

  • There may be a penalty for some employers that do not offer affordable health insurance coverage to full-time employees. It can be up to be $2,000 per each full-time worker. The penalty will be triggered should any full-time employee get subsidized insurance from a health insurance Marketplace, like the Health Connector. This happens when a full-time worker, whose household income is under 400 percent of the federal poverty level, is either
  • not offered health insurance, or
  • is offered self-only health insurance that is unaffordable because it would cost more than 9.5 percent of the household’s income, or
  • is offered health insurance that does not meet a minimum value standard. This means that the plan is designed to pay less than 60 percent of the total health care costs of the benefits it covers
  • Potential penalties are calculated differently depending on whether the employer offers their full-time workers no coverage, or unaffordable or substandard coverage.
  • Employers that do not offer any coverage can be subject to a penalty of $2,000 per full-time worker.
  • Employers that offer substandard or unaffordable coverage may be subject to a penalty that will be the lower of the following two options:
  • $3,000 for any employee who receives a subsidy through an insurance Marketplace, OR
  • $2,000 multiplied by all of the employer’s full-time employees.

*The first 30 workers are excluded towards the calculation of this penalty.

WHAT IS BUSINESS EXPRESS?

Business Express is employer-sponsored health benefits offered through the Health Connector to employers with fifty or fewer full-time employees. An employer chooses a Health Connector plan and sets an employer contribution amount. The employer enrolls the eligible employees who want to elect the health insurance benefit. Employers can do this on their own or with the assistance of an insurance broker.

WHAT IS COMMONWEALTH CARE?

Commonwealth Care is a Health Connector program that, because of national healthcare reform, is ending. It offers subsidized insurance to Massachusetts residents who have annual incomes of up to 300% of the Federal Poverty Level. Massachusetts consumers are now able to find out they qualify for new low or no-cost plans from MassHealth and the Health Connector, or new cost-savings programs such as premium tax credits and ConnectorCare plans.

WHAT IS COMMONWEALTH CHOICE?

Commonwealth Choice is a Health Connector program that is ending because of national healthcare reform. It certifies and provides commercial health products to Massachusetts residents and small businesses. It also serves large employers that want to provide health insurance options to classes of employees that are not eligible for the employer’s regular plan. Massachusetts consumers are now able to find out if they qualify for new low- or no-cost plans from MassHealth and the Health Connector, or new cost-savings programs such as premium tax credits and ConnectorCare plans.

FACTS

  • In March 2010, President Obama signed into law the Patient Protection and Affordable Care Act (ACA).
  • Health plans must offer free preventive care.
  • Health Plans cannot have lifetime limits on health insurance.
  • You can find out right away if you qualify for different programs that make health and dental insurance more affordable through MAhealthconnector.org
  • Cost sharing reductions are available to some Health Connector members through ConnectorCare plans.
  • Employers can get up to a 50% federal tax credit when they buy health insurance through the Health Connector if they: have 25 or fewer full-time employees, and pay average annual wages below $50,000, and pay at least half of the premiums for employee health insurance.
  • Small businesses that purchase insurance through the Health Connector can also get a 15% rebate if they have 25 or fewer employees and participate in the Health Connector’s small business wellness program, Wellness Track.
  • Employers who use a licensed insurance broker to advise them about health and dental insurance can continue to do so.
  • The Health Connector offers health and dental insurance plans from the state’s leading insurers.
  • All of the plans offered by the Health Connector have been awarded the state’s Seal of Approval, so you can be sure the plan you choose meets both state and national coverage standards.
  • Health Connector offers dental coverage to individuals, families, and small businesses through a variety of dental plans sponsored by leading dental insurance companies.