Shopping for a 2017 plan If you are eligible for Health Connector coverage, follow these four simple steps to access the "Find a Plan" button and start shopping. Step 1: Sign into your account Step 2: Go to "My Eligibility" section of your account Step 3: Under the "Year 2017" section, click on the "Detail" link: Step 4: From there, you will be able to browse 2017 plans by clicking the "Find a Plan for 2017" button: Don’t see a “Find a Plan for 2017” button? First, check your eligibility. Only households eligible for Health Connector and ConnectorCare plans can shop online through your account. Next, see if you already have a plan in your shopping cart. If you have a plan already waiting in your cart, go to your cart to view it. If you want to shop for a different plan, you can do so from your shopping cart. Also, check your enrollments. If you already have a future enrollment pending through auto-enrollment or because you already checked out a plan, you can check by clicking on “My Enrollments” in your account’s left-hand navigation. Then, under your 2017 Future Enrollments, you will see a button to cancel or change your plan. This will allow you to shop for a different plan for 2017.
The Health Connector plans are grouped in metallic tiers to make it even easier for shoppers to compare: Platinum plans have the highest premiums but the lowest co-pays and deductibles. Learn more → Gold plans have lower premiums, but higher co-pays and deductibles than Platinum plans. Learn more → Silver plans have lower premiums, but higher co-pays and deductibles than Gold plans. Learn more → Bronze plans have the lowest premiums but the highest co-pays and deductibles. Learn more → [youtube id="http://youtu.be/CpqbBTMxyKc" width="600" height="350" autoplay="no" api_params="" class=""]
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.
Eligibility for help paying for insurance is no longer determined by your gross (total) income. Under national health reform, Modified Adjusted Gross Income (MAGI) is now used instead. Under MAGI you can factor in business expenses that you write off for tax purposes (your Schedule C losses) when calculating your income. This means that many more people may qualify for help who might not have been able to get it in the past. Most people can look at their adjusted gross income (line 37 on their income tax return) to see what their MAGI number will most likely be. This is an important change to understand for those who are self-employed or have combination income sources that include self-employment income.
All of the health plans offered provide full health benefits, including visits to the doctor or hospital, and prescriptions. The Health Connector’s plans are described below using metallic terms to make it easier for you to compare them. Platinum plans have the highest premium, but the lowest co-pays and deductibles. Gold and Silver plans have lower premiums, but higher co-pays and deductibles. Bronze plans have the lowest premiums, but the highest co-pays and deductibles. Each health plan also has different doctors, hospitals, and other providers in its networks.
You can click "Get Started" to browse plans anonymously for rates. Please note that anonymous browsing does not reflect any savings, such as a premium tax credit, you may qualify for unless you complete an eligibility application.