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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.

 

 

Defining Affordable Coverage

Call 508 308 8452 for a Quote

Does everyone in MA have to meet the MA Mandate?

Each year, the MA Connector board approves a schedule that specifies the maximum amount residents at various income levels should be able to afford for coverage. If a plan is not available within the range set in the affordability schedule, the individual is not subject to the MA coverage mandate.

 

 At the low end of the affordability schedule, for example, an individual with an annual income up to 150 percent of the Federal Poverty Level ($16,249) is considered not to be able to afford a premium of any size for health insurance. At the high end, an individual earning from $44,201 to $54,600 (504 percent of the FPL) is considered able to pay a premium of $354 per month.

 

Individuals with incomes above $54,600 are deemed able to afford health insurance regardless of price. Separate affordability schedules have been created for couples and families..

 

 

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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.