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


Info and Quotes for Massachusetts residents

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


The period of time during which individuals who are eligible to enroll in a Qualified Health Plan can enroll in a plan in the Marketplace. For 2014 coverage, the Open Enrollment period ended March 31, 2014. The Open Enrollment Period for 2015 coverage is November 15, 2014 through February 15, 2015. Individuals may also qualify for Special Enrollment Periods outside of Open Enrollment if they experience certain events. All our companies meet Mass. and National Health Care Reform requirements. You must be very confused and we are glad to help to 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. .

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

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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.