Affordable, high-quality coverage from the Health Connector
ConnectorCare plans have $0 or low monthly premiums, low out-of-pocket costs, and no deductibles.
What kind of coverage do you get with ConnectorCare?
ConnectorCare plans offer great coverage with important benefits like doctor visits, prescription medications, and emergency care. ConnectorCare plans have low monthly premiums, low co-pays, and no deductibles. Plus, you may be able to fill certain prescription medicines at no cost for chronic health conditions like asthma, coronary artery disease (a type of heart disease), diabetes, and hypertension (high blood pressure).
There are different ConnectorCare Plan Types, which are based on your income. All of the plans offered for each Plan Type will have the same benefits and co-pays for covered services. You can see the co-pays for different services in the chart on the next page. You can also see examples of the monthly premiums for each Plan Type.
ConnectorCare plans are offered by leading insurers in the state. Each insurer’s plan may have different doctors or hospitals in their provider networks. Before you enroll, use our online tools to see if the providers you want and the prescription drugs that you need are covered in the plan’s network. You can find these tools at: PlanFinder.MAhealthconnector.org.
Who can qualify for a ConnectorCare plan?
People with household incomes that are between 100% and 400% of the Federal Poverty Level (FPL) may qualify for ConnectorCare. If your income is higher than 400% of the FPL (Table 1) you won’t qualify for a ConnectorCare plan. To qualify for a ConnectorCare plan, you will need to meet the following requirements:
Table 1. Household and 400% FPL
| Household Size | 400% FPL |
|---|---|
| 1 | $62,600 |
| 2 | $84,600 |
| 3 | $106,600 |
| 4 | $128,600 |
For each additional person in the household, add $22,000
Which ConnectorCare plan can you qualify for?
The cost of ConnectorCare plans differs depending on the health insurer and the Plan Type. The Plan Type you qualify for is based on your income. Table 2, shows the FPL ranges for different ConnectorCare Plan Types.
There are different coverage options for American Indians and Alaska Natives. American Indians and Alaska Natives may qualify for lower out-of-pocket costs through ConnectorCare plans and other Health Connector plans.
Table 2. Plan Type and FPL
| Plan Type | FPL Range |
|---|---|
| Plan Type 2A | 100-150% FPL |
| Plan Type 2B | 150.1-200% FPL |
| Plan Type 3A | 200.1-250% FPL |
| Plan Type 3B | 250.1-300% FPL |
| Plan Type 3C | 300.1-400% FPL |
2026 Monthly ConnectorCare Plan Premiums (per person)
| Plan Type | 2A | 2B | 3A | 3B | 3C |
|---|---|---|---|---|---|
| Lowest cost plan | $0 | $53 | $103 | $152 | $235 |
ConnectorCare Benefits and Co-pays
| Benefit | Plan Type 2A & 2B | Plan Type 3A, 3B & 3C |
|---|---|---|
| Medical maximum out-of-pocket (individual / family) | $750 / $1,500 | $1,500 / $3,000 |
| Prescription drug maximum out-of-pocket (individual / family) | $500 / $1,000 | $750 / $1,500 |
| Preventive care/screening/immunization | $0 | $0 |
| Primary care visit to treat injury or illness | $0 | $0 |
| Specialist office visit | $18 | $22 |
| Mental/behavioral health and substance abuse disorder outpatient services | $0 | $0 |
| Rehabilitative speech therapy | $10 | $20 |
| Rehabilitative occupational and rehabilitative physical therapy | $10 | $20 |
| Emergency room services | $50 | $100 |
| Urgent care | $18 | $22 |
| Outpatient surgery | $50 | $125 |
| All inpatient hospital services | $50 | $250 |
| High cost imaging (CT/PET scans, MRIs, etc.) | $30 | $60 |
| Laboratory outpatient and professional services | $0 | $0 |
| X-rays and diagnostic imaging | $0 | $0 |
| Skilled nursing facility | $0 | $0 |
| Retail prescription drug | Plan Type 2A & 2B | Plan Type 3A, 3B & 3C |
|---|---|---|
| Generics | $10 | $12.50 |
| Preferred brand drugs | $20 | $25 |
| Non-preferred brand drugs | $40 | $50 |
| Specialty high-cost drugs | $40 | $50 |
