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.
Apply online now to find out if you qualify for any of the programs that help you pay for insurance, including MassHealth, premium tax credits, and ConnectorCare plans.
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 →
If you were covered by MassHealth before entering school and you will be attending a school in Massachusetts, you may be able to maintain your MassHealth coverage rather than enrolling in your school’s SHIP, or if you attend a participating school, you may be eligible for the MassHealth SHIP Premium Assistance Program. Please call the MassHealth SHIP Premium Assistance Program for more information. If you will be attending school out of state, your MassHealth coverage will likely cover only emergency services. Please call MassHealth customer service for more information, and also check with your school regarding their student health insurance requirements.
Yes, as long as you are residing in Massachusetts and are planning to stay. When you apply, indicate that you are the only person seeking health insurance. You will still need to enter information about your entire tax household, including your parents’ household income if you are claimed as their dependent, and information about other family members.
International students who are legally in the United States and a resident of Massachusetts can buy a plan through the Health Connector. To qualify for premium tax credits, you will also have to file taxes.
Yes! Students can shop on the Health Connector for health and dental coverage. Get Started Now →
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.
Students are required to have health insurance to attend college full-time in Massachusetts. A student has to purchase a SHIP through their college only if they do not currently have health insurance coverage that is considered “comparable coverage.” For example, a student with MassHealth coverage, a ConnectorCare plan, or a student who is under age 26 who has coverage through a parent’s health insurance plan, does not need to purchase a . If you have MassHealth coverage and attend a participating school, you may be eligible for the MassHealth SHIP Premium Assistance Program.