Massachusetts has long been a pioneer in expanding health care access to its residents.  As a result, over 97 percent of Massachusetts residents have health coverage, the highest rate in the country.

The success of our health reform effort is built on an approach of shared responsibility from all, including the Commonwealth, employers, and individual residents. This approach includes our state’s “individual mandate,” which requires that all adults in the Commonwealth have coverage that meets state standards if it is affordable to them, and it promotes a minimum coverage standard to protect consumers.

This requirement has been in effect since 2007, and will remain in effect even though the federal government is going to stop charging tax penalties for not having insurance starting in 2019.

More about the individual mandate
Massachusetts Residents Covered


The Health Connector is here to help Massachusetts residents, employers, and brokers find coverage. We designed these resources to ensure that, despite sometimes confusing news about the national health care reform law, Massachusetts residents have a clear understanding about their own rights and responsibilities, so we can ensure our health care system continues to work for everyone.

Individuals & Families

For Massachusetts residents looking for coverage that will help keep themselves and their families healthy and financially protected, you can explore our website and sign up to compare health coverage options and enroll in a plan. Or speak to a Customer Service Representative 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. Find free, in-person help with your application at an Enrollment Assister location near you →

Small Businesses

For small employers (with fifty or fewer employees)  looking for affordable, high-value health coverage from leading Massachusetts health plans which meet state and federal requirements, please visit Health Connector for Business or call 1-888-813-9220 (TTY: 711 for people who are deaf, hard of hearing, or speech disabled.) Through Health Connector for Business, small employers can connect their employees to high-value plans from a range of carriers, including through new “choice” models, and small employers can even find a broker to help them with their options for no charge.


View or download our guides about the individual mandate and Minimum Creditable Coverage for more information.

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You may have heard the federal requirement to have health insurance – called the individual mandate – was repealed starting in 2019, but the Massachusetts requirement to have coverage will still be in place. Get the facts and #StayCovered –>

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Did you know #Massachusetts has a state individual mandate that requires all residents 18 or older to have health insurance that meets minimum coverage requirements if it is considered affordable? Get the facts and #StayCovered –>

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Are you a business owner that employs #Massachusetts residents? State law requires employees age 18 or older to have health coverage that meets minimum standards or else they may have to pay a state tax penalty. Find information and facts for employers at #StayCovered