Massachusetts Health Insurance

Many states make finding health insurance a nightmare; Massachusetts has passed many laws to make sure that gaining access to health insurance is as easy as possible. Not only that, but Massachusetts state law requires ever resident to have some type of health care, and this includes if you have a pre-existing condition. Hopefully this guide will be enough to get you through the process with as little hassle as possible. Health-insurance.org has a number of health insurance providers who can assist you through the finals steps of getting a health policy for you or your family.

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Important! Massachusetts State Law

ALL residents are REQUIRED to have some form of health insurance. Here is the legal breakdown based on income level:

If your income is 300 percent below the federal poverty level (about $38,500 for a family of three), but are not eligible for Medicaid, you will have a private insurance plans subsidized at a sliding-scale rate.
Children whose families earn below 300 percent of the federal poverty level (FPL) will be given free medical coverage through Medicaid.
Individuals with incomes are below the FPL ($9,600) will have premiums waived on private insurance. (Currently most childless adults are not eligible for coverage under the state’s Medicaid plan.)
If you can afford insurance, you will be increasingly penalized for not buying coverage. In the first year, you can lose their state personal income tax exemption.
Family coverage will be extended to cover young adults up to the age of 25.
If you are interested in a “Health savings account” (HSA), you will be allowed a cheaper high-deductible “catastrophic” coverage plan. An HSA allow the consumer to invest money and withdraw it “tax free” to cover health-care costs.

Family Health Insurance in Massachusetts (MA)

Family health insurance plan options include group health plans and individual health insurance. If you work for a company that offers a medical benefits package, you can apply for the group health insurance through them. The application will generally give you the option of either an HMO or PPO. Depending on your income and medical preferences you may choose whichever makes the most sense for you. Generally the HMO is the least expensive option.

If you do not have a group health option, then you will need to purchase individual health care from an individual insurance carrier. Individual plans are a little more expensive, but probably less expensive than the fines you will get if you have no coverage, not to mention the money you save by being covered in the firs place. Nobody should go without health insurance.

Individual Health Care in Massachusetts (MA)

As an individual, you can decide to either apply for a group health policy through your work or purchase an individual insurance policy from a private insurance carrier, such as Blue Cross/Blue Shield. We can help to connect you with an agent who should be able to help you the rest of the way of you choose to go with an individual plan.