If you are losing your health insurance from your employer, you have options to consider as you pursue finding new coverage.
If you can access coverage through your spouse or through a government-sponsored program, those are options you should research and consider.
If those options are not available to you, the Massachusetts Health Connector can help you access health insurance. For those who meet eligibility standards, the Health Connector provides people with help paying for their health insurance and also provides a wide range of plans to those who qualify for help paying for their health insurance.
Your anticipated annual income is the main factor in determining whether or not you qualify for help paying for your insurance. The Federal Poverty Level, or FPL, is a measure of income level published each year by the Department of Health and Human Services. Federal poverty levels are used to help determine your eligibility for certain programs and benefits.
The 2022 Income Standards and Federal Poverty Levels are used to determine
- who may be currently eligible for MassHealth programs
- The standards will be updated in early 2023 for the current year.
The 2022 Federal Poverty Levels are used to determine
- who may be eligible for Health Connector or ConnectorCare plans during the current 2023 plan year that ends December 31, 2023.
FEDERAL POVERTY GUIDELINES
2022 MassHealth Income Standards and Federal Poverty Guidelines
| Family Size | MassHealth Income Standards |
100% Federal Poverty Level |
130% Federal Poverty Level |
133% Federal Poverty Level |
150% Federal Poverty Level |
|||||
|---|---|---|---|---|---|---|---|---|---|---|
| Monthly | Yearly | Monthly | Yearly | Monthly | Yearly | Monthly | Yearly | Monthly | Yearly | |
| 1 | $522 | $6,264 | $1,133 | $13,596 | $1,473 | $17,676 | $1,507 | $18,084 | $1,699 | $20,388 |
| 2 | $650 | $7,800 | $1,526 | $18,312 | $1,984 | $23,808 | $2,030 | $24,360 | $2,289 | $27,468 |
| 3 | $775 | $9,300 | $1,920 | $23,040 | $2,553 | $30,636 | $2,879 | $34,548 | ||
| 4 | $891 | $10,692 | $2,313 | $27,756 | $3,076 | $36,912 | $3,469 | $41,628 | ||
| 5 | $1,016 | $12,192 | $2,706 | $32,472 | $3,599 | $43,188 | $4,059 | $48,708 | ||
| 6 | $1,141 | $13,692 | $3,100 | $37,200 | $4,122 | $49,464 | $4,649 | $55,788 | ||
| 7 | $1,266 | $15,192 | $3,493 | $41,916 | $4,646 | $55,752 | $5,239 | $62,868 | ||
| 8 | $1,383 | $16,596 | $3,886 | $46,632 | $5,169 | $62,028 | $5,829 | $69,948 | ||
| For each additional person add | $133 | $1,596 | $394 | $4,728 | $524 | $6,288 | $590 | $7,080 | ||
These figures are rounded and may not reflect the figures used in program determination. Institutional Income Standard is $72.80.
| Family Size | 165% Federal Poverty Level |
200% Federal Poverty Level |
250% Federal Poverty Level |
300% Federal Poverty Level |
400% Federal Poverty Level |
|||||
|---|---|---|---|---|---|---|---|---|---|---|
| Monthly | Yearly | Monthly | Yearly | Monthly | Yearly | Monthly | Yearly | Monthly | Yearly | |
| 1 | $1,869 | $22,428 | $2,265 | $27,180 | $2,832 | $33,984 | $3,398 | $40,776 | $4,530 | $54,360 |
| 2 | $2,518 | $30,216 | $3,052 | $36,624 | $3,815 | $45,780 | $4,578 | $54,936 | $6,104 | $73,248 |
| 3 | $3,839 | $46,068 | $4,798 | $57,576 | $5,758 | $69,096 | $7,677 | $92,124 | ||
| 4 | $4,625 | $55,500 | $5,782 | $69,384 | $6,938 | $83,256 | $9,250 | $111,000 | ||
| 5 | $5,412 | $64,944 | $6,765 | $81,180 | $8,118 | $97,416 | $10,824 | $129,888 | ||
| 6 | $6,199 | $74,388 | $7,748 | $92,976 | $9,298 | $111,576 | $12,397 | $148,764 | ||
| 7 | $6,985 | $83,820 | $8,732 | $104,784 | $10,478 | $125,736 | $13,970 | $167,640 | ||
| 8 | $7,772 | $93,264 | $9,715 | $116,580 | $11,658 | $139,896 | $15,544 | $186,528 | ||
| For each additional person add | $787 | $9,444 | $984 | $11,808 | $1,180 | $14,160 | $1,574 | $18,888 | ||
These figures are rounded and may not reflect the figures used in program determination. Institutional Income Standard is $72.80.
2022 Federal Poverty Guidelines for 2023 Health Connector Plans
| Household Size | 100% | 133% | 138% | 150% | 200% | 250% | 300% | 400% |
|---|---|---|---|---|---|---|---|---|
| 1 | $13,590 | $18,075 | $18,754 | $20,385 | $27,180 | $33,975 | $40,770 | $54,360 |
| 2 | $18,310 | $24,352 | $25,268 | $27,465 | $36,620 | $45,775 | $54,930 | $73,240 |
| 3 | $23,030 | $30,630 | $31,781 | $34,545 | $46,060 | $57,575 | $69,090 | $92,120 |
| 4 | $27,750 | $36,908 | $38,295 | $41,625 | $55,500 | $69,375 | $83,250 | $111,000 |
| 5 | $32,470 | $43,185 | $44,809 | $48,705 | $64,940 | $81,175 | $97,410 | $129,880 |
| 6 | $37,190 | $49,463 | $51,322 | $55,785 | $74,380 | $92,975 | $111,570 | $148,760 |
| 7 | $41,910 | $55,740 | $57,836 | $62,865 | $83,820 | $104,775 | $125,730 | $167,640 |
| 8 | $46,630 | $62,018 | $64,349 | $69,945 | $93,260 | $116,575 | $139,890 | $186,520 |
| For each additional person over 8, add | $4,720 | $6,277 | $6,514 | $7,080 | $9,440 | $11,800 | $14,160 | $18,880 |
Note: This table will be used to determine Health Connector plan FPLs for the 2023 benefit year only.
For households with more than 4 people, or for more information about FPL guidelines, go to: aspe.hhs.gov/poverty.
The amounts above are 2022 numbers and used for calculating eligibility for lower costs on private insurance plans in the Marketplace for 2023 coverage as well as calculating eligibility for MassHealth/Medicaid and the Children’s Health Insurance Program (CHIP).
You can apply online for health coverage anytime at MAhealthconnector.org. If you need additional assistance, you can contact the Health Connector’s customer service center at 1-877-MA-ENROLL (1-877-623-6765).
