Insurance for the
Self Employed

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health insurance

No matter what your profession, if you are a small business with employees or a individual self employed person, you can get a quote from our independent agent serving all residents of Massachusetts.

 

 

Ma Health Care Reform restructured the private insurance Market

Call 508 308 8452 for a Quote

Does the health insurance premium change if I am not self employed?

MERGER OF THE INDIVIDUAL AND SMALL-GROUP INSURANCE MARKETS

Massachusetts health reform restructured the private insurance market by requiring insurance carriers to merge their individual and small-group memberships into a single pool, using the same rating methodologies for the entire population.

 

Today the premiums are the same for an individual not self employed and one that is self employed. The difference in MA is that small businesses can obtain health insurance in any 30 day interval, while the people not self employed are limited to a 45 day “Open Enrollment period each year between July 1st and August 15th.

 

 For more information on health insurance plans in MA click here.

 

 

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Massachusetts health insurance



The whole country knows about the national heath care mandate with so many comparing it to Massachusetts health insurance. Some real benefits have been provided in Massachusetts which most people enjoy. What is unpopular to some is the fact the there are penalties assessed for not having health insurance and requiring that MA residents have health insurance. The penalties can range from $228 to $1,212 per year depending on income.

These benefits must meet MA Minimal Creditable Coverage (MCC). Self employed small business people may obtain coverage on the first day of any month as long as they can show proof of being in business, such as a recent tax form.

They may also change insurance companies in any 30 day interval. People who are not self employed are limited by law and can only apply for health insurance from July 1st through August 15TH for start dates of August 1st or September 1st. This is call the Open Enrollment Period. The law permits enrollment outside of an open enrollment period under certain circumstances, such as, the loss of employer sponsored coverage or government-sponsored coverage.