Even before Obamacare took effect, Massachusetts had the lowest uninsured rate in the nation. The state’s healthcare reform law, which was established in 2006, became the model for the Affordable Care Act.
In Massachusetts, individuals and families can access health insurance through an employer, from the state’s exchange, in the private marketplace and through public programs including Medicaid and CHIP.
State health insurance quotes are available through HealthCare.org, a website that offers off-exchange, ACA-compliant major medical plans in addition to other coverage types: dental, supplemental health, Medicare supplement and short term health plans.
Massachusetts and the Affordable Care Act
When the Affordable Care Act’s key provisions took effect and the Health Insurance Marketplace opened for business, states decided to operate their own exchanges, default to a federally facilitated exchange or form a state-federal partnership exchange. Massachusetts elected to operate its own state-based health insurance exchange, Massachusetts Health Connector. As a matter of fact, the Health Connector marketplace has been in operation since 2006.
When individuals and families buy health insurance from Massachusetts Health Connector, they may be eligible for income-based financial assistance in the form of premium tax credits and cost-sharing subsidies—cost-sharing subsidies are only available to those who buy Silver plans.
Massachusettsans who prefer not to buy from the Health Insurance Marketplace or do not qualify for Obamacare financial assistance can explore additional health plan options in the private marketplace. HealthCare.org provides quotes for ACA-compliant major medical health plans in Massachusetts. Dental benefits, supplemental health plans, Medicare supplement plans, and short term health insurance coverage are also available at HealthCare.org
Small businesses with 50 or fewer full-time employees can offer healthcare benefits through Massachusetts Health Connector.
Medicaid expansion in Massachusetts
Massachusetts is among the states that have expanded Medicaid to single, low-income adults ages 19 to 64.
The Children’s Health Insurance Program (CHIP) is called Massachusetts MassHealth and is available children under age 19 who qualify based on certain criteria.