When you buy health and dental insurance through the Health Connector, your coverage period ends on December 31 regardless of your coverage start date. But, don’t worry. You have the opportunity to review coverage each year during the Open Enrollment period. The next Open Enrollment period is November 1, 2018 through January 23, 2019 Before your coverage end date for the year, you will get letters in the mail that will let you know about your coverage options for the next year. Your plan renewal information will tell you if your plan will be available for the next year, or, if it is not, will give your information about the new plan you are matched to. During open enrollment you can shop for a different plan, even if the plan you have is available. By shopping during open enrollment, you may be able to find plans with lower costs. If your plan is available for the next year and you do not want to change it, then all you have to do is continue to pay your monthly premium. About plan premiums It is important to know that plan premiums change each year. Premiums are calculated based on The ages of covered household members, The number of people covered on the plan, Where you live, and Rates set by health insurers, approved by the Massachusetts Division of Insurance If you are eligible for savings that help lower your monthly premium cost, this may change, too. For example, if you are [...]
The Federal Poverty Level, or FPL, is a measure of income level published each year by the Department of Health and Human Services. Federal poverty levels are used to help determine your eligibility for certain programs and benefits. The 2018 Federal Poverty Levels are used to determine who may be currently eligible for MassHealth programs. The 2017 Federal Poverty Levels are used to determine who may be eligible for 2018 Health Connector or ConnectorCare plans. The 2018 Federal Poverty Levels are used to determine who may be eligible for 2019 Health Connector or ConnectorCare plans. 2018 MassHealth Income Standards and Federal Poverty Guidelines Family Size MassHealth Income Standards 100% Federal Poverty Level 5% Federal Poverty Level 120% Federal Poverty Level 133% Federal Poverty Level 135% Federal Poverty Level 1 Monthly Yearly Monthly Yearly Monthly Yearly Monthly Yearly Monthly Yearly Monthly Yearly $522 $6,264 $1,012 $12,144 $51 $612 $1,214 $14,568 $1,346 $16,152 $1,366 $16,392 2 $650 $7,800 $1,372 $16,464 $69 $828 $1,646 $19,752 $1,825 $21,900 $1,852 $22,224 3 $775 $9,300 $1,732 $20,784 $87 $1,044 $2,304 $27,648 4 $891 $10,692 $2,092 $25,104 $105 $1,260 $2,782 $33,384 5 $1,016 $12,192 $2,452 $29,424 $123 $1,476 $3,261 $39,132 6 $1,141 $13,692 $2,812 $33,744 $141 $1,692 $3,740 $44,880 7 $1,266 $15,192 $3,172 $38,064 $159 $1,908 $4,219 $50,628 8 $1,383 $16,596 $3,532 $42,384 $177 $2,124 $4,698 $56,376 For each additional person add $133 $1,596 $360 $4,320 $18 $216 $479 $5,748 Family Size 150% Federal Poverty Level 200% Federal Poverty Level 250% Federal Poverty Level 300% Federal Poverty [...]
National health reform raises income limits for people who can qualify for help paying for health insurance. Individuals and families earning up to 400% of the federal poverty level (FPL) who do not otherwise have access to affordable health insurance from an employer or other program may qualify for a tax credit to lower their monthly premium. Here are some examples of the types of household and income levels that are within 400% of the FPL: Individuals earning up to about $46,680 a year A family of two earning up to about $62,920 a year A family of three earning up to about $79,160 a year A family of four earning up to about $95,400 a year
No. You can’t qualify for help paying for a health insurance plan with an Advance Premium Tax Credit if you bought it outside of the Health Connector.
In general, Open Enrollment is the only time of year when you can purchase or change insurance plans for any reason. The 2017 Open Enrollment period ended January 31, 2017. However, you may be allowed to enroll outside of Open Enrollment if you experience certain life events, such as losing your current insurance. If you qualify for MassHealth, or for a ConnectorCare plan, or want to purchase a stand alone dental plan, you may enroll at any time during the year.
You can explore this website, or call Customer Service at 1-877 MA ENROLL (1-877-623-6765) or TTY: 1-877-623-7773. For in-person help, you can work with a Navigator or a Certified Application Counselor at a local hospital or community health center. These are people who have been trained to help you apply through the Health Connector. For a list of people in your area, go to the Help Center landing page or call Customer Service.
The fastest way to apply is online at MAheathconnector.org. You can also apply through a paper application. Download a copy of the paper application from the Forms page or call 1-877 MA ENROLL (1-877-623-6765) or TTY: 1-877-623-7773 to have a paper copy mailed to you.
In general, an open enrollment period is the time of year when people who are applying for health insurance can enroll or change a plan for any reason. The next open enrollment period is November 1, 2018, and run through January 23, 2018. However, if you can qualify for help paying for coverage through programs like MassHealth or a ConnectorCare plan, or experience a qualifying life event, you may be able to enroll at any time during the year. If you do not qualify for help paying for coverage, there are certain qualifying events that allow you to enroll in coverage at other times during the year. Qualifying events include (but are not limited to): adding a dependent through birth or marriage, moving to a new permanent address in Massachusetts, or becoming a citizen, national, or lawfully present individual. For more information on qualifying events, go to our Closed Enrollment information page.
Who can shop as a business, and who needs to shop as an individual or family through the Health Connector?
The rules around shopping as a small business through the Health Connector have changed. If you are the owner of a business that has no eligible employees other than your tax dependents, you will need to shop as an individual or family, instead of as a small business. However, most of the health plans available to small businesses are the same as the health plans offered to individuals through the Health Connector. And, you may be able to qualify for help paying for your coverage through programs that are available only for individuals and families.
Under both Massachusetts and national health reform laws, most people must have health insurance if it’s affordable to them. There can be penalties for not being insured.