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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.

 

 

Info and Quotes for Massachusetts residents

What was the financial objective of MA Health Care Reform and the results?

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In Massachusetts, a fund of over $1 billion in 2004/2005, known as the Uncompensated Care Pool (or "free care pool"), was used to partially reimburse hospitals and health centers for these expenses. The money is funded through an annual assessment on insurance providers and hospitals, plus state and federal contributions. It was predicted that implementation of the Massachusetts health reform law would result in almost complete elimination of the need for this fund. In 2006, an MIT economics professor predicted that the amount of money in the "free care pool" would be sufficient to pay for reform legislation without requiring additional funding or taxes In fact, the state still uses about $453 million of its own money, or 1.4% of its annual budget, as of 2011 in order to cover the uncovered costs of the legislation, which total approximately $1 billion per year


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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.