The Affordable Care Act helps Americans obtain health insurance coverage. It brings about new coverage options, gives consumers the opportunity to compare prices and plans before applying, and puts in place strong protections.
There are new benefits, rights and protections included in the health care reform that affect you, your family, and your business.
The national health reform builds on the Massachusetts experience. It provides more opportunities for saving on the costs of health and dental insurance.
Plus, it offers better benefits.
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.
Some of these include:
- 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.
We recognize how important it is for you to know all the details of ObamaCare and how it affects your life. That is why we provide a comprehensive guide that assists you in further understanding what ObamaCare offers, so you can make well-informed decisions.
Whether you want to know how to get ObamaCare, what the pros and cons are, or if you want to know how the bill affects you, this is a great resource to use as a guide.
If you want to know more about the Affordable Care Act and the coverage choices the Marketplaces offer, access the guides by visiting…(link to guides).
Student Health Insurance Program (SHIP)
September 1989 – A full-time and part-time student enrolled in an institution of higher learning in Massachusetts is required to participate in a Student Health Insurance Program (SHIP) or in a health benefit plan with comparable coverage.
2008 – The Division of Health Care Finance and Policy (Division) started publishing annual reports on SHIPs. Reports include financial and performance metric analysis and enrollment and carrier information.
November 2012 – The Student Health Insurance Program (SHIP) was relocated to the Commonwealth Health Insurance Connector Authority (Health Connector). The Health Connector will regulate SHIP and collect SHIP data from schools. They will also work closely with the Center for Health Information and Analysis (Center) to ensure an efficient transition of SHIP responsibilities from the Division of Health Care Finance and Policy (Division) to the Center.
Filing SHIP – The SHIP regulation requires schools to submit information during each school year with a summary of the student’s participation in the SHIP Program. This data is collected using surveys.
For Help – If you have any questions regarding the SHIP Program please call 617-933-3169.
COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985)
COBRA allows some workers to continue coverage from a former employer’s health insurance plan for a limited time.
Mini-COBRA (State Continuation of Coverage Law)
The Mini-COBRA continues health benefits to employees of small businesses with 2-19 employees.
- Employees can elect to take COBRA benefits when they leave employment permanently or for a defined period (leave of absence), or another qualifying event.
- Employers must notify employees of this right within 14 days of the qualifying event.
- Once notified, employees have 60 days to elect or decline coverage.
- The period of these benefits varies based on the qualifying event.
- The employee remains on employer’s records and enrolled in the employer’s group benefits.
Section 125 Plan
Section 125 Plan is also known as Section 125 Cafeteria Plans. Under the federal tax code, these plans allow employers to give their employees the opportunity to pay for certain health care expenses with pre-tax dollars. Depending on the plan, allowable expenses may include health and dental premiums, eligible medical costs, and reimbursement of eligible dependent care.
Commonwealth Care is a Health Connector program that is ending because of the national healthcare reform. 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.
Commonwealth Choice is a Health Connector program that is ending because of national healthcare reform, is ending. 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 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.