About Health Connector Programs

The Massachusetts Health Connector is the state’s official health insurance Marketplace. It gives residents a simple way to shop for and enroll in affordable health and dental insurance. If you do not get health insurance through your job, the Health Connector helps you find a plan that fits your life. All plans sold here meet state and federal standards for quality coverage.

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ConnectorCare Plans

ConnectorCare is a program that offers high-quality health insurance at a lower cost. It is designed to help lower-income and middle-income individuals and families get the care they need.

Benefits of ConnectorCare include:

  • Low monthly payments (premiums)
  • Low co-pays for doctor visits and medicines
  • No deductibles, meaning your coverage starts paying right away

Plus, members 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, hypertension (high blood pressure), and opioid addiction.

Who can qualify for a ConnectorCare plan?

For the 2026 plan year, 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 the income limit for the plan year, you won’t qualify for a ConnectorCare plan.

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

Health Connector Plans

If you do not qualify for ConnectorCare, you can still find great coverage through standard Health Connector Plans. These plans come from top insurance companies in the state.
You can choose from a wide variety of health insurance options based on your budget and medical needs. The plans are grouped into different levels—usually Bronze, Silver, Gold, and Platinum.

  • Bronze and Silver plans usually have lower monthly payments but cost more when you visit the doctor.
  • Gold and Platinum plans cost more each month, but they cover more of your bills when you get sick or need care.

Catastrophic plans are also available for some individuals, such as those under 30 or people with a financial hardship exemption. These plans have low monthly payments but high deductibles, and are designed to protect you from very high costs in case of a serious illness or accident. Catastrophic plans may be a good choice if you want to keep your monthly costs low and do not expect to need a lot of medical care.

When you shop for plans,  you compare your choices side-by-side so you can pick the best plan for you and your family.

Dental Plans

Taking care of your teeth and gums is a vital part of your overall health. The Health Connector makes it easy to find good dental insurance for both adults and children.

You can buy a dental plan at the same time you sign up for a health insurance plan. If you already have health insurance, you can also buy a dental plan on its own. The Health Connector offers several different dental plans, giving you choices that fit your needs and your budget.