Insurance for the
Self Employed

Small Business Owners


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.

Business Insurance in Massachusetts


Who does not have to pay a penalty for not buying health insurance?

Most people must have health coverage or pay a fee (the “individual shared responsibility payment”). You can get an exemption in certain cases.

Exemptions from the payment

Under certain circumstances, you won’t have to make the individual responsibility payment. This is called an “exemption.”

You may qualify for an exemption if:

You’re uninsured for less than 3 months of the year

The lowest-priced coverage available to you would cost more than 8% of your household income

You don’t have to file a tax return because your income is too low (Learn about the filing limit.)

You’re a member of a federally recognized tribe or eligible for services through an Indian Health Services provider

You’re a member of a recognized health care sharing ministry

You’re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare

You’re incarcerated, and not awaiting the disposition of charges against you

You’re not lawfully present in the U.S.                             

All our companies meet Mass. and National Health Care Reform requirements.

You must be very confused and we are glad to help keep you informed.

We represent all health insurance companies in Massachusetts.


Your choice of Mass. health insurance plans such as:

Blue Cross Blue Shield, Harvard Pilgrim, Fallon, Tufts, United Heath Care,

Health New England, Neighborhood Health, Network Health, Minuteman Health, Assurant, and Trustmark.

Ads Holistic Life Coach NYC

Call 508 308 8452 for a Quote

The math just does not work with that effort. The true low cost equals the sum of the premium plus all the co-pays and deductibles paid out over one full year

In Massachusetts, all health plans must have a cap called “Maximum out of Pocket Expense”. This may not exceed $5,000 an individual and $10,000 per family per year. We can now have comfort with a cap, and the focus may now shift toward the needs and the budget.
more on Low Cost Health Insurance in Massachusetts

What are the important issues in Massachusetts Health Care to know?

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

B. What are private–sector companies doing to
gain more control over their health care costs?

C. What are the penalties for small businesses
that do not provide health insurance?

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

E. Does everyone in MA have to meet the MA Mandate?

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

G. Affordable Care Act and it’s impact in Massachusetts

H. How has the National Health Care Reform impacted MA health insurance?


Call for Quote (508) 425-9451

I. What is Open Enrollment? National Health Care Reform and it’s impact in Massachusetts

J.What is Minimum Essential Coverage in Obamacare?

K. Open Enrollment

L. Who does not have to pay a penalty for not buying health insurance?

Free Quote
Quick Health Insurance Quote

Name *


Phone *

Powered byEMF HTML Form Builder
Report Abuse

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.