Individuals & Families

Upload Documents (Proof)

You now have a new way to send your verification documents (proof) When you apply for coverage, renew, or update your information, you may be asked to send proof of some information that could not be electronically verified. Your proof can be sent to the Health Connector and MassHealth by Mail, Fax, In-person, and NEW Uploaded online through your account. Important: If you are sending proof, DO NOT send the same  document in more than one way. For example, don't fax and upload the same document for proof. How to upload your documents If you need to send proof, here’s how you can upload your document(s): First, log in to your online account. (If you don't have an online account, call Customer Service to get started with setting one up.) Once you are signed into your account, go to the new My Documents section of your account. Click on the Upload Documents link in the main menu to start uploading your files. Important: Make sure you have your proof saved where you can easily find and upload your document. On the Upload Documents page, under File 1, click the Browse button to find the file you want to upload from from computer, tablet, or smartphone based on the type of information we’ve asked you for. Select that file and click Open to start the upload. Note: You can only upload certain file types: Bitmap Image File (.bmp) Graphical Interchange Format File (.gif) JPEG Image (.jpeg) JPEG Image (.jpg) Portable Document [...]

Tuesday, July 30th, 2019|

What to Know If You Get Help Paying for Health Insurance from Both the Health Connector and Your Employer

Overview If you get help paying for individual health insurance from your employer If your employer offers a “qualified small employer health reimbursement arrangement” (QSEHRA) instead of a traditional employer health insurance plan, you can use it to help pay your monthly premiums for a health plan purchased through the Health Connector. However, if you are offered a QSEHRA and are also eligible for subsidies through the Health Connector, you might be at risk of owing money to the IRS at the end of the year when you file taxes—even if you don’t use the QSEHRA benefit. Here are the steps you can take to protect yourself from owing money back to the IRS at tax time. Find out if the QSEHRA available to you is considered affordable or not. IRS Publication 974 has a worksheet to help you determine if your QSEHRA is considered affordable or not. If your QSEHRA is considered affordable, you can lower the amount of Advance Premium Tax Credit (APTC) that you have applied towards your health insurance to $0. This should protect you from owing any of the tax credit back at the end of the year when you file your taxes. You can lower your APTC amount to $0 in your online account at You can also get help with this over the phone by calling Customer Service or in person with an Enrollment Assister. If your QSEHRA is not considered affordable, you can lower the [...]

Monday, April 29th, 2019|

Can I get help paying for health insurance through the Health Connector?

If you are applying for health coverage and are not sure if you qualify for help paying for your insurance, we offer a tool to help you estimate if you may be eligible. To use this tool: Go to the login landing page here. On that page, you will see a section that reads "See What You May Qualify For" Enter your zip code, select a coverage start date and choose "Yes" to the question "Do you want to check to see if you are eligible for help paying for costs?" Click "Start Now" to use the tool, answering all the questions on the following pages. Remember: The results from the tool is only an estimate of what you may qualify for. You will need to complete an application to get your actual eligibility decision. You may qualify if you: Shop through the Massachusetts Health Connector Live in Massachusetts Are a U.S. citizen, national, or are otherwise lawfully present in the U.S. Have income that is 400% of of the Federal Poverty Level (FPL) or or lower (see chart below) You won’t be able to qualify if you: Get coverage through Medicare, MassHealth (Medicaid), or other public health insurance programs Are in jail at this time Are offered affordable, comprehensive health insurance from an employer. Note: If the cost of your employer’s health insurance plan for individuals is more than 9.56% of your income, then that coverage is not considered affordable. Household [...]

Tuesday, December 19th, 2017|

Hardship exemption and how to apply

If you are over age 30 and have applied for and was approved for a federal hardship exemption, you may be able to shop for a Catastrophic plan. For information about the federal hardship exemption, including how to apply, go to the hardship exemption page on → Were you already approved for a federal hardship exemption? If you have a federal hardship exemption and want to shop for a Catastrophic health insurance plan through the Health Connector, please call Health Connector customer service at 1-877-MA-ENROLL (1-877-623-6765), or TTY 1-877-623-7773 for people who are deaf, hard of hearing, or speech disabled. Health plans that meet all of the requirements applicable to other Health Connector plans but that don't cover any benefits other than 3 primary care visits per year before the plan's deductible is met. The premium amount you pay each month for health care is generally lower than for other health plans, but the out-of-pocket costs for deductibles, co-payments, and co-insurance are generally higher. To qualify for a Catastrophic plan, you must be under 30 years old OR get a "hardship exemption" because the Marketplace determined that you’re unable to afford health coverage. Catastrophic health plans: For people under 30 or with certain exemptions Catastrophic health insurance plans have low monthly premiums and very high deductibles. They may be an affordable way to protect yourself from worst-case scenarios, like getting seriously sick or injured. But you pay most routine medical expenses yourself. Who can buy a [...]

Friday, May 26th, 2017|

Federal Poverty Level (FPL)

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 2019 Federal Poverty Levels are used to determinewho may be currently eligible for MassHealth programs, andwho may be eligible for Health Connector or ConnectorCare plans that start in 2020.The 2018  Federal Poverty Levels are used to determine only who may be eligible for Health Connector or ConnectorCare plans during the current 2019 plan year that ends December 31, 2019. 2019 MassHealth Income Standards and Federal Poverty GuidelinesFamily SizeMassHealth Income Standards100%Federal Poverty Level5%Federal Poverty Level120%Federal Poverty Level133%Federal Poverty Level135%Federal Poverty Level1MonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearly$522$6,264$1,041$12,492$53$636$1,249$14,988$1,385$16,620$1,406$16,8722$650$7,800$1,410$16,920$71$852$1,691$20,292$1,875$22,500$1,903$22,8363$775$9,300$1,778$21,336$89$1,068 $2,365$28,380 4$891$10,692$2,146$25,752$108$1,296 $2,854$34,248 5$1,016$12,192$2,515$30,180$126$1,512 $3,344$40,128 6$1,141$13,692$2,883$34,596$145$1,740 $3,834$46,008 7$1,266$15,192$3,251$39,012$163$1,956 $4,324$51,888 8$1,383$16,596$3,620$43,440$181$2,172 $4,814$57,768 For each additional person add$133$1,596$369$4,428$19$228 $490$5,880  Family Size150%Federal Poverty Level200%Federal Poverty Level250%Federal Poverty Level300%Federal Poverty Level400%Federal Poverty Level1MonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearly$1,562$18,744$2,082$24,984$2,603$31,236$3,123$37,476$4,164$49,9682$2,114$25,368$2,819$33,828$3,523$42,276$4,228$50,736$5,637$67,6443$2,667$32,004$3,555$42,660$4,444$53,328$5,333$63,996$7,110$85,3204$3,219$38,628$4,292$51,504$5,365$64,380$6,438$77,256$8,584$103,0085$3,772$45,264$5,029$60,348$6,286$75,432$7,543$90,516$10,057$120,6846$4,324$51,888$5,765$69,180$7,207$86,484$8,648$103,776$11,530$138,3607$4,877$58,524$6,502$78,024$8,128$97,536$9,753$117,036$13,004$156,0488$5,429$65,148$7,239$86,868$9,048$108,576$10,858$130,296$14,447$173,724For each additional person add$553$6,636$737$8,844$921$11,052$1,105$13,260$1,474$17,688Institutional Income Standard $72.80 Download the 2019 charts now (PDF) → 2018 MassHealth Income Standards and Federal Poverty GuidelinesFamily SizeMassHealth Income Standards100%Federal Poverty Level5%Federal Poverty Level120%Federal Poverty Level133%Federal Poverty Level135%Federal Poverty Level1MonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearly$522$6,264$1,012$12,144$51$612$1,214$14,568$1,346$16,152$1,366$16,3922$650$7,800$1,372$16,464$69$828$1,646$19,752$1,825$21,900$1,852$22,2243$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 Size150% Federal Poverty Level200% Federal Poverty Level250% Federal Poverty Level300% Federal Poverty Level400% Federal Poverty Level1MonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearlyMonthlyYearly$1,518$18,216$2,024$24,288$2,530$30,360$3,035$36,420$4,047$48,5642$2,058$24,696$2,744$32,928$3,430$41,160$4,115$49,380$5,487$65,8443$2,598$31,176$3,464$41,568$4,330$51,960$5,195$62,340$6,927$83,1244$3,138$37,656$4,184$50,208$5,230$62,760$6,275$75,300$8,367$100,4045$3,678$44,136$4,904$58,848$6,130$73,560$7,355$88,260$9,807$117,6846$4,218$50,616$5,624$67,488$7,030$84,360$8,435$101,220$11,247$134,9647$4,758$57,096$6,344$76,128$7,930$95,160$9,515$114,180$12,687$152,2448$5,298$63,576$7,064$84,768$8,830$105,960$10,595$127,140$14,127$169,524For each additional person add$540$6,480$720$8,640$900$10,800$1,080$12,960$1,440$17,280Institutional Income Standard $72.80

Monday, March 13th, 2017|

Important information about identity (ID) proofing

What is ID proofing? ID proofing is one of the first steps of the process to apply for health coverage through the Health Connector website and is required by the Affordable Care Act (ACA). ID proofing is used to verify your identity by asking you customized questions based on your personal and financial history to protect your privacy and information and prevent fraud. Id proofing is performed through external services   How ID proofing works To protect your personal information, you have to take a few steps to verify your identity before you can complete an application. First you will provide information when you create your profile.  This information will be used for the first step of ID proofing.  Once your information is verified, the ID proofing process will ask you questions that only you would be likely to know the answers to, based on your financial accounts and personal information in your credit report. This process is meant to prevent an unauthorized person from creating an account and applying for health coverage in your name without your knowledge. The ID proofing service will show you several multiple choice questions for you to answer. These questions will be based on Credit and Non-Credit information. Sample question types include: Auto Loan Lender (Credit) Previous Street Name (Non-Credit) Last 4 digits SSN (Non-Credit) Employer Name (Credit) Year of Birth (Credit) Previous Address (Non-Credit) Previous Phone Number (Non-Credit) If your identity cannot be verified online, we need to receive proper documentation such as [...]

Tuesday, May 12th, 2015|

Who can qualify for help paying for health insurance?

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

Tuesday, May 12th, 2015|

When is Open Enrollment and when do Health Connector plans start?

In general, Open Enrollment is the only time of year when you can purchase or change insurance plans for any reason. The 2019 Open Enrollment period ended January 23, 2019. 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. Find out more now →

Tuesday, May 12th, 2015|