Massachusetts led the nation in 2006 with a comprehensive health care reform law and the establishment of the Massachusetts Health Connector.


Massachusetts has the highest rate of health insurance coverage in the nation.


The national health care reform builds on the Massachusetts experience. Now individuals, families, and small businesses who go to the Health Connector can find even more options, enhanced benefits, and savings.


ObamaCare provides more opportunities for saving on the costs of health and dental insurance.


In the Marketplace, you can check plans and compare your options. You can find right away if you qualify for help to pay your insurance plan.


The Health Connector’s plans are grouped in metallic tiers to make it easier for shoppers to compare:



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


- Gold and Silver plans have lower premiums, but higher co-pays and deductibles.


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.



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


You can look up any doctors, hospitals, or providers on the Health Connector’s website.



The new bill also offers better benefits such as:



- Health plans must offer free preventive care.


- There cannot be any lifetime limits on health insurance.


- Many Medicare enrollees will pay less in out-of-pocket costs for prescription drugs.


To access the Marketplace visit the MA Health Insurance Connector directly.



Frequently Asked Questions:



What are the Essential Health Insurance Benefits under ObamaCare?



The Affordable Care Act ensures health plans offered in the individual and small group markets, both inside and outside of the Health Insurance Marketplace, offer a comprehensive package of items and services, known as essential health benefits.


Essential health benefits must include items and services within at least the following 10 categories:


· ambulatory patient services;


· emergency services; hospitalization;


· maternity and newborn care;


· mental health and substance use disorder services, including behavioral health treatment;


· prescription drugs;


· rehabilitative and habilitative services and devices;


· laboratory services;


· preventive and wellness services and chronic disease management; and


· pediatric services, including oral and vision care.



Insurance policies must cover these benefits in order to be certified and offered in the Health Insurance Marketplace, and all Medicaid state plans must cover these services by 2014.



How do I know if I’m eligible for tax credits?



Tax credits are applied to health plans purchased through the Marketplace or Health Connector.


To qualify:


- Citizenship: be a citizen or a national or non-citizen that is lawfully present.


- Incarceration status: not be incarcerated.


- Residency: reside or intend to reside in Massachusetts.


- Income: Have a MAGI of 400% FPL or less. This is about $46,000 per year for an individual or $94,000 per year for a family of four.


- Government Sponsored Insurance (GSI): not be eligible or enrolled in GSI such as, MassHealth, Medicare, or TRICARE.


- Employer Sponsored Insurance (ESI): Not be eligible for “affordable” ESI or ESI


Providing a minimum value or level of coverage. Affordable ESI is defined as a self-only plan that requires the subscriber to pay 9.5% or less of his income toward the health insurance premium for self-only coverage. Minimum value is defined as 60% of the total allowed costs of benefits. A Summary of Benefits Coverage document will help a consumer understand if their plan meets these minimum value standards.



Who is considered an eligible employee under ObamaCare?



An eligible employee is the one permitted to enroll in a Health Connector plan.



An eligible employee:


  • is full-time with a normal work week of 30 or more hours.


  • lives within an extended service area of one or more Health Connector plans available.



An eligible employee is not:


  • working on a temporary basis, on a term of 12 consecutive weeks or less.


  • working on a seasonal basis, as determined by the Department of Unemployment Assistance.


  • retired from the company.


  • a member of the company’s board of directors or trustees, unless he or she is a full-time employee as defined above.



Disabled employees who are not actively working are eligible for coverage if they are considered permanent employees by the employer and the employer is required by law to cover them.



Where can I find more information and help regarding ObamaCare?



The Health Connector is the best place to go for information on affordable health insurance and to find out if you qualify for savings. You can also find out more about the new national health reform and what it means in Massachusetts. Visit the website at or call 1-877-MA-ENROLL (1-877-623-6765)



Where can I find information about MassHealth?


You can find information about MassHealth:




Phone: 1-855-MA-4-Hlth (1-855-624-4584), TTY 1-877-623-7773 or 1-800-497-4648.


ObamaCare By State