Important update about ConnectorCare Plans

Exciting news: Massachusetts is making health care more affordable and accessible for thousands of people through the ConnectorCare program. Here’s what you need to know:

  • Income limits for ConnectorCare have been expanded from 300% of the Federal Poverty Level to 500%. This means that more people will now qualify for this program, as the income limit for individuals increases from $43,470 in 2023 to $72,900 in 2024, and $90,000 in 2023 to $150,000 in 2024 for a family of four.
  • All carriers will now participate in the program for the first time. This means that there will be more choices of plans available to choose from Blue Cross Blue Shield of Massachusetts, Harvard Pilgrim Health Care, and UnitedHealthcare, which will join current participating carriers Fallon Health, Health New England, Mass General Brigham Health Plan, Tufts Health Plan, and WellSense Health Plan.

Learn more about these changes →

ConnectorCare Plans: 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. 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 found here. You can also see examples of the monthly premiums for each Plan Type below.

ConnectorCare plans are offered by some of the 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 see if the providers you want and the prescription drugs that you need are covered in the plan’s network.

ConnectorCare plans are offered by some of the leading insurers in the state. Depending on where you live, you may be able to choose from ConnectorCare plans offered by:

Each insurer’s plan may have different doctors or hospitals in their provider networks. Be sure to use our new Plan Finder Tool to see if your preferred providers, facilities, and prescription drugs are in a plan’s network before you enroll.

ConnectorCare Plans for Individuals & Families

What are ConnectorCare plans? Watch the video for a brief overview.

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Who can qualify For a ConnectorCare plan?

People with household incomes that are at 500% of the Federal Poverty Level (FPL) or lower may qualify for ConnectorCare. If your income is higher than income limit for the plan year, you won’t qualify for a ConnectorCare plan.

However, you may still be able to get tax credits that help to lower the cost of your monthly premiums. To qualify for a ConnectorCare plan, you will need you will also need to meet the following requirements:

  • Live in Massachusetts

  • Be a US Citizen, National, or lawfully present immigrant in the United States

  • Not have access to an employer’s affordable, comprehensive health insurance (including plans you are offered, but are not enrolled in)

  • Not be in jail or prison

  • Not qualify for Medicare, MassHealth (Medicaid) or other public health insurance programs

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. The chart on the right shows the FPL ranges for different ConnectorCare Plan Types.

Plan Type FPL Range 2024 Lowest-cost Monthly  Premium, per person
Plan Type 1 0–100% $0
Plan Type 2A 100.1–150% $0
Plan Type 2B 150.1–200% $49
Plan Type 3A 200.1–250% $96
Plan Type 3B 250.1–300% $142
Plan Type 3C* 300.1–400% $219
Plan Type 3D* 400.1–500% $255

*Plan Types 3C and 3D are new plan types for plan year 2024. 

There are different coverage options for American Indians and Alaska Natives. American Indians/Alaska Natives may qualify for lower out-of-pocket costs through ConnectorCare plans and other Health Connector plans. Click here to learn more →

Important Resources

ConnectorCare plans offer great coverage with important benefits like doctor visits, prescription medications, and emergency care.

Subsidy overview sheet thumbnail image

Most people who apply are able to get help paying for their insurance. Download the guide to find out more about subsidies and who may qualify.