Insurance for the
Self Employed

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Doctors
Small Business Owners

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Carpenter
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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.

 

 

Info and Quotes for Massachusetts residents

Call 508 308 8452 for a Quote

What are employers required to do under the Massachusetts Health Care Reform law?

Employers of eleven or more full-time-equivalent employees:

Fair Share Contribution
Must make a "fair and reasonable" premium contribution toward health insurance for their employees, or pay up to $295 per employee, per year into the state's Safety Net Trust Fund. The Massachusetts Division of Health Care Finance and Policy measures employer compliance four times a 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.