Can you get help paying for health insurance through the Health Connector?
You may qualify if you:
Shop through the Massachusetts Health Connector
Live in Massachusetts
Are a U.S. citizen, national, or are otherwise lawfully present in the U.S.
Have a qualifying income level for your family size.
For 2026 ConnectorCare plans, the qualifying income level is between 100% and 400% of the Federal Poverty Level (FPL) or lower (see chart below).
You won’t be able to qualify if you:
Get coverage through Medicare, MassHealth (Medicaid), or other public health insurance programs
Are in jail or prison at this time
Are offered affordable, comprehensive health insurance from an employer.
Note: If the cost of your employer’s health insurance plan for individuals is more than 9.96% of your yearly household income for 2026, then that coverage is not considered affordable. Learn more →
2025 Yearly Income Guidelines based on Federal Poverty Level (FPL)*
| Household Size | ConnectorCare Plan Type 2A (100-150% FPL) | ConnectorCare Plan Type 2B (150-200% FPL) | ConnectorCare Plan Type 3A (200-250% FPL) | ConnectorCare Plan Type 3B (250-300% FPL) | ConnectorCare Plan Type 3C (300-400% FPL) |
|---|---|---|---|---|---|
| 1 | $15,650-$23,475 | $23,476-$31,300 | $31,301-$39,125 | $39,126-$46,950 | $46,951-$62,600 |
| 2 | $21,150-$31,725 | $31,726-$42,300 | $42,301-$52,875 | $52,876-$63,450 | $63,451-$84,600 |
| 3 | $26,650-$39,975 | $39,976-$53,300 | $53,301-$66,625 | $66,626-$79,950 | $79,951-$106,600 |
| 4 | $32,150-$48,225 | $48,226-$64,300 | $64,301-$80,375 | $80,376-$96,450 | $96,451-$128,600 |
| For each extra person, add: | $8,250 | $11,000 | $13,750 | $16,500 | $22,000 |
| Lowest monthly premium for each person | $0 | $53 | $103 | $152 | $235 |
*2025 Federal Poverty Levels are used to determine who may be eligible for Health Connector or ConnectorCare plans during the 2026 plan year, January 1 through December 31, 2026.
ConnectorCare Plans and Advance Premium Tax Credits
ConnectorCare plans have $0 or low monthly premiums, low out-of-pocket costs, and no deductibles. People who qualify receive a federal Advance Premium Tax Credit plus an additional Massachusetts state savings that are applied to your monthly bill and help to lower the cost of your health insurance premiums.
- For households with incomes between 100% and 400% of the FPL.
- The tax credit amount is based on your income, family size, and where you live.
- The ConnectorCare Plan Type you can qualify for is also based on your household’s FPL.
- Depending on where you live, you may be able to choose from up to 8 different carriers. All of the benefits covered by ConnectorCare plans will be the same. The costs will vary by plan type.
Provider networks (the doctors and hospitals covered by the plan) vary by insurance carrier.
ConnectorCare monthly premiums per person can be as low as:
- $0 per month for Plan Type 2A
- $53 per month for Plan Type 2B
- $103 per month for Plan Type 3A
- $152 per month for Plan Type 3B
- $235 per month for Plan Type 3C
Depending on where you live, you may be able to choose a ConnectorCare plan from:
- Blue Cross Blue Shield of Massachusetts
- Fallon Health
- Harvard Pilgrim Health Care
- Health New England
- Mass General Brigham Health Plan
- Tufts Health Plan
- UnitedHealthcare
- WellSense Health Plan
Example of ConnectorCare savings
Jim is 45 years old, lives in Boston, and earns $35,000 a year. He qualifies for ConnectorCare plan Type 3A with a $318 tax credit. Jim chooses the lowest-cost ConnectorCare plan that is available in his area, after checking to make sure that his primary care doctor is covered in its provider network.
Jim’s monthly premium is only $103 a month. Because he is in a ConnectorCare plan, he has no deductible, and pays less out-of-pocket for things like prescriptions and co-pays when he goes to the doctor.
