Student health insurance and national health care reform: What does it mean for you?
National health reform, or the Affordable Care Act (ACA), is a 2010 law designed to improve access to health insurance for millions of people. This landmark law introduced some new ways for students to have greater access to affordable health insurance.
- No-cost or low-cost insurance is available to more people than ever before through MassHealth, Massachusetts’ Medicaid program. Individuals who are 19 and older may also continue to qualify for MassHealth if they meet income and other eligibility requirements.
- Tax credits help you pay for health insurance premiums if you buy a plan through the Health Connector. If you qualify for tax credits, you can have this credit paid directly to your insurance company every month so that your monthly premium is lower.
- ConnectorCare plans have low monthly premiums, no deductibles, and lower out-of-pocket costs. If you qualify for a ConnectorCare plan, you can save on your monthly premium and pay less when you go to the doctor. For the first time, students will be able to access no-or low-cost ConnectorCare plans if they qualify.
Students can apply online through the Health Connector website to see if they qualify for MassHealth, tax credits, and ConnectorCare plans.
Better benefits for students
- Students can stay on their parents’ health insurance until age 26
- No annual and lifetime limits on the amount that a health plan will pay towards your health services
- No limits on the amount that a health plan will pay towards your prescription drugs
- All preventive care is covered at 100% and there are no co-pays, co-insurance, or deductibles for things like:
Frequently Asked Questions
- What kind of health insurance are Massachusetts students required to have?
- Where do I find out if I qualify for help to pay for my health insurance?
- Can I get help paying for my health insurance if I buy a plan outside the Health Connector?
- What if I’m a student and already have MassHealth coverage?
- What is the Student Health Insurance Program (SHIP)?
- My family is not from Massachusetts. Can I still get help paying for my health insurance?
- Can students shop on the Health Connector?
- Do students have to purchase a SHIP plan?
- Can international students purchase a health plan through the Health Connector?
- When is Open Enrollment and when do Health Connector plans start?
- When can I apply for coverage?
Contact the Health Connector with a SHIP Question
If you have a question that has not been resolved by the answers above, you can contact the Health Connector via the form below. However, please first call the Health Connector’s customer service line with questions about a Health Connector plan (1-877-MA-ENROLL or TTY 1-877-623-7773 for people who are deaf, hard of hearing, or speech disabled); MassHealth’s customer service line if you are enrolled in coverage through MassHealth (1-800-841-2900); or the MassHealth SHIP Premium Assistance customer service line if you are enrolled in MassHealth as well as your school’s SHIP (1-855-273-5903).
In your message, please include the following information:
- Current health insurance coverage
- Name and location of college or university
- Brief description of question or issue
- DO NOT include any additional personal information such as Social Security numbers, date of birth, addresses, Health Connector or MassHealth member ID numbers, or personal health information.