Individuals & Families

How to update your account to apply for subsidies

If you are a Health Connector member and did not apply for subsidies, you can update your account to see if you may qualify for a free or low-cost ConnectorCare plan, MassHealth, or a tax credit that can be used to lower your monthly premiums right away. How to update your information, step-by-step: Step 1: Sign into your account and go to your "My Eligibility" page. You will see "Year 2020" application listed. Step 2: On the "My Eligibility" page, click "Edit Application" under the Actions column. If you don't see this link, skip to Step 3. Step 3: On the next page, you will need to click the "Report a Change" link under the Actions column. Step 4: On the next page, choose "Change application type". Then, click the "Report Changes" button to make your updates.   Step 4: You will be taken to the start of your application. Review your profile information and click continue until you get to the question "Do you need help paying for coverage?" Change your answer to "Yes, I want to see if I can get MassHealth or help paying for health care." When you click "Continue", you will need to go through the full application, updating your information as needed and answering questions about your household income.   When you sign submit your updated application, this updates your eligibility information. Please be sure to follow instructions on your Eligibility Results page as you may need to shop for a new plan or make a payment of a new [...]

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 [...]

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

Overview A Health Reimbursement Arrangement, or HRA, is an employee health benefit from your employer that reimburses you for your health care expenses up to a certain dollar amount. There are several types of HRAs. This page focuses on two types: Individual Coverage HRAs and Qualified Small Employer HRAs (QSEHRAs). If you are offered one of these types of HRAs, you should have received a clear notice from your employer explaining the terms of the Individual Coverage HRA or the QSEHRA. The type of HRA will appear prominently on that notice. If your employer offers an Individual Coverage HRAor a 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 an Individual Coverage HRA or 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. To learn how these types of HRAs might affect your tax credit eligibility and what to do next, visit the Health Connector’s HRA tool. Have your HRA notice on hand, as you will need information from it to use the tool. You can also read more below about Individual Coverage HRAs and QSEHRAs and the steps you can take to protect yourself from owing money back to the IRS at tax time. Find out [...]

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 [...]

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 HealthCare.gov → 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 [...]

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 2020 Federal Poverty Levels are used to determine who may be currently eligible for MassHealth programs, and who may be eligible for Health Connector or ConnectorCare plans that start in 2021. The 2019 Federal Poverty Levels are used to determine who may be eligible for Health Connector or ConnectorCare plans during the current 2020 plan year that ends December 31, 2020. 2019 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 $1,041 $12,492 $53 $636 $1,249 $14,988 $1,385 $16,620 $1,406 $16,872 2 $650 $7,800 $1,410 $16,920 $71 $852 $1,691 $20,292 $1,875 $22,500 $1,903 $22,836 3 $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 Size 150% Federal Poverty [...]

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 [...]

What if my income changes during the year? How will that affect my eligibility for a tax credit?

It’s common for income to change throughout the year, particularly if you are self-employed, have a seasonal job, or more than one job. To get the most accurate tax credit amount, you should let the Health Connector know if you have any income changes during the year, as they happen. If you expect your income to go up during the year, you may want to consider changing the amount of tax credit that you apply to your monthly premiums, so that you take less than the full amount available to you. If you use your tax credit during the year and your actual income is over the amount that makes you eligible, you may need to pay back some or all of the credit. You always have the option of waiting until you file your taxes next year to take the credit on your tax return, instead of applying it to your premiums in advance. This may make sense for you if you aren’t sure what your income will be for the year, and are concerned about having to pay money back at tax time.

Do I have to buy through the Health Connector if I want to get help paying for insurance?

Yes, help paying for insurance through tax credits and low-cost ConnectorCare plans is only available through the Health Connector. Even if you enroll in a plan without help paying for it through the Health Connector, if you end up qualifying for a tax credit based on your income for that year, the IRS will let you to claim the tax credit when you file your taxes at the end of the year. But the tax credit is not available for someone who buys a plan outside of the Health Connector. You can also apply through the Health Connector website to see if you qualify for MassHealth coverage.