The main goal of the Affordable Care Act is to provide more Americans with access to affordable health insurance while improving the quality of health care and health insurance, regulating the health insurance industry, and reducing health care spending in the U.S.


The new health care law offers new benefits, rights and protections such
as new essential health benefits and preventive services at no out-of-pocket
costs, mandatory coverage for pre-existing conditions, the elimination of annual
limits and more.


To make this possible, each state has a Marketplace, where you are able to compare health insurance options and find a health plan that meets your needs and fits your budget.


Massachusetts Marketplace “Health Connector”


The Marketplace is also called the Health Insurance “Exchange.” Massachusetts Marketplace is the “Health Connector.”


The Health Connector is a One Stop Shop for both health and dental insurance. In here you can know right away if you qualify for help to pay for your coverage.


All of the plans offered by the Health Connector have been awarded the state’s Seal of Approval, which means you can be sure the plan you choose meets both state and national coverage standards.


Health Care Reform and Massachusetts


The Affordable Care Act requires all residents to have health insurance that meets certain standards.


Important things to know:


  • The law provides low-cost and no-cost health insurance options for those who qualify.
  • The national health reform removes many barriers to buying health insurance that previously existed for individuals and small businesses.
  • The new bill encourages states to establish health insurance Marketplaces with tools to help Americans find, compare, and buy insurance plans more easily.



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.



The national health reform builds on the Massachusetts experience. It provides more opportunities for saving on the costs of health and dental insurance for individuals, families and small businesses.


The national health reform offers better benefits with the following:


  • 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.




What is the Health Connector?


The Massachusetts Health Connector was created by the Commonwealth of Massachusetts to help residents and employers find the right health insurance plan.

The Health Connector offers both health and dental insurance plans from the state’s leading insurers and provides tools that make it easier to compare plans.

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.


Are all the plans offered in the Marketplace approved by the new law?


Yes, all of the plans offered by the Massachusetts Marketplace, known as the Health Connector, have been awarded the state’s Seal of Approval. This means you can be sure the plan you choose meets both state and national coverage standards.


What are Navigators or the Navigator Program?


The Navigator program offers help to consumers, so they can understand new coverage options available as a result of the Affordable Care Act. Navigators also aid consumers by finding the most affordable coverage that meets the individual’s needs. Each state has a Navigator Program. The program established in Massachusetts has as a vital priority the transition of residents that are already insured to the new coverage programs that become available as of January 2014.


To find help near your home visit the MA Health Connector directly.


Which community organizations are currently serving as Navigators in the state of Massachusetts?


· Boston Public Health Commission.

· Caring Health Center.

· Community Action Committee of Cape Cod & Islands, Inc.

· Ecu-Health Care.

· Greater Lawrence Community Action Council.

· Hilltown Community Health Care Centers.

· Joint Committee for Children’s Health Care in Everett.

· Manet Community Health Center.

· MAPS – Massachusetts Alliance of Portuguese Speakers.

· PACE – PeopleActing in Community Endeavor.



How do more people qualify for Medicaid under ObamaCare?


Under the national health reform, commonly known as ObamaCare, all Massachusetts residents under 133 percent of the federal poverty level (FPL) are eligible for MassHealth if they are citizens or qualified aliens. Before eligibility for MassHealth, the Medicaid program in Massachusetts was limited to certain categories of people such as pregnant women, children under 19 and their parents, the elderly and the disabled, if their income met certain requirements. Since the start of 2014, this no longer applies.


ObamaCare By State