Health Connector Member Renewal Information

Open Enrollment is now through January 23, 2025.

Now is the time when you can choose to renew or change health insurance plans for 2025. In general, if you keep paying your monthly premiums, you can renew for 2025 into:

  • Your current plan, if it is available in 2025, or
  • A similar plan from the same insurance carrier, if your current plan is not available for 2025.

If you want to enroll in a different plan, you can shop and change plans during Open Enrollment.

Shop during Open Enrollment to save money. Many of our health plans have similar benefits, which makes them easier to compare. If you shop during Open Enrollment, you may be able to find a plan that costs you less but still covers the benefits you need and the doctors you want in 2025.

Health Connector Member Renewals

Open Enrollment is November 1, 2022 through January 23, 2023. Now is the time when you can choose to renew or change health insurance plans for 2023. In general, if you keep paying your monthly premiums, you can renew for 2023 into:

  • Your current plan, if it is available in 2023, or
  • A similar plan from the same insurance carrier, if your current plan is not available for 2023.

If you want to enroll in a different plan, you can shop and change plans during Open Enrollment.

Shop during Open Enrollment to save money. Many of our health plans have similar benefits, which makes them easier to compare. If you shop during Open Enrollment, you may be able to find a plan that costs you less but still covers the benefits you need and the doctors you want in 2023.

HERE IS WHAT YOU NEED TO DO

Review your 2025 eligibility & plan

You will get a renewal packet mid-October to mid-November 2024. This packet tells you the type of coverage you’ll qualify for in 2025. It also tells you the plan you’ll be enrolled in, unless you decide to change plans during Open Enrollment. You should review this information carefully.

Compare changes for 2025

Your premium for 2025 may be different than it was in 2024. For some members, you may need to update or confirm your 2025 income to make sure that your eligibility information is correct. You can compare any other changes to benefits and costs in your plan benefits using the Plan Comparison Tool →

Check providers and prescriptions

Go to our Plan Finder tool to see which plans cover your preferred providers (such as doctors), facilities (such as hospitals and community health centers), and prescriptions drugs that you want to use in 2025.

Shop during Open Enrollment

You can compare health plans online by signing into your account to find the one that fits your budget and health care needs for 2025. If you change to a new plan that starts January 1, 2025, you must complete your plan selection and pay your first premium by December 23, 2024.

Pay your monthly premium

You’ll need to keep paying your premium bills on time in order to have coverage in 2025. If you don’t pay your January premium by December 23, you could have a gap in coverage. Find out how to make payments here.

Important Dates and Deadlines

The 2025 Open Enrollment period started November 1, 2024, and ends on January 23, 2025.

If you need coverage before January 1, 2025, you can enroll any time of the year if you are eligible for certain programs or experience a qualifying life event. Learn more now →

  • November 1, 2024: Open Enrollment begins
  • November 23, 2024: Last day for people who have a special enrollment period to shop and enroll in health insurance, dental insurance, or both, that starts December 1, 2024
  • December 23, 2024: Last day to shop and enroll in health insurance, dental insurance, or both, that starts January 1, 2025
  • January 1, 2025: The 2025 plan year begins
  • January 23, 2025: Open Enrollment ends. Last day to enroll in a Health Connector or ConnectorCare health insurance plan—or switch plans—that starts February 1 or March 1, 2025 (you will be able to choose your preferred start date in your application).

 Check your 2025 eligibility online

If you are saving on the cost of your 2024 health coverage because you have a ConnectorCare plan or a monthly Advance Premium Tax Credit and see that you no longer qualify for those savings in 2025, you may need to take action to update OR confirm your 2025 income information online.

By confirming or updating their 2025 income, most members may still qualify for savings through the Health Connector. 

Follow these steps to check your 2025 eligibility:

  1. Sign into your account
  2. Click on Applications
  3. On the Eligibility Application page, you will see Year 2025 section
  4. In the Year 2025 section, click the View Application button to see your 2025 Eligibility Results
  5. If your 2025 eligibility seems incorrect, you may need to update or confirm your 2025 income or other household information. This is easy to do by following the the steps in the Report Changes section of this page.

Important: Even if your income will not change from 2024 to 2025, you still need to go through the income change process to confirm your income and resubmit your application. Once you do so, your eligibility should update.

If updating or confirming your income for 2025 does not update your eligibility, there could be another cause. Find out more about these reasons here. 

If you are still not sure, please call Health Connector customer service for assistance at 1-877-623-6765 (TTY: 711) or contact a Navigator in your area.

Report Changes

You can update your application information online at anytime by signing into your account. Here’s a list of the application information you can update:

  • Change contact information and preferences
    Click on this link to change your mailing address, language preferences, email address, phone number without resubmitting your application.

  • Add someone to your application or tell us if someone is now applying for coverage
    Update if a household member recently got married, had a baby, adopted a child, took custody of a child from foster care or was ordered by a court to provide care for someone. Also select to change someone to applying for coverage.

  • Update income and additional questions about health insurance
    Update this information if you now make more or less money than when you applied, or if you have a new income source, or if you need to make a change to the information about the insurance offered by your employer, other insurance coverage (such as Medicare, TRICARE, Peace Corps, or VA Healthcare Program), or MassHealth-specific questions.

    Special Note about income changes

  • Change a status
    The types of status that can be changed include your tax filing status, immigration status, citizenship status, disability status, pregnancy status, American Indian/Alaska Native Tribal status, incarceration status and foster care status.

  • Change home address, name, sex, or add SSN
    Update your home address, name, sex, or add a Social Security Number for someone on your application.

  • Change application type
    Update questions on whether you want to see if you can get help paying for insurance for you or your family.

  • Change information about past tax credits
    If you’ve received an Advanced Premium Tax Credit or Connector care plan in a past year, you can tell us if you’ve filed taxes and reconciled all past tax credit with the IRS. If you already answered this question once this year, you may not be able to change your response at this time.

Updates you can’t make online

Some updates you can’t make yourself online and you will need to call customer service to make. These are:

  • Updating an existing Social Security number (SSN)
    If you need to update an SSN, you will not be able to do so online, You will need to call customer service to request this change.

  • Updating an existing date of birth
    If you need to update an incorrect date of birth, a customer service representative will need to take this request as updating a date of birth can affect things like your eligibility, your monthly premium amount, and more.

Sign into your account to report changes now

How to update your information, step-by-step:

Step 1: Sign into your account and go to your Applications page. You will see “Year 2025” and “Year 2024” applications listed.

Screenshot of an example Applications page that shows Year 2025 and Year 2024 application and links to view or edit the application

Step 2: On the Applications page, click “Edit Application” button.

Step 4: On the next page, you will be able to choose the change (or changes) you need to report. Then, click the “Report Changes” button to make your updates.

Screenshot of the change your information page in the application

If you report a change that applies to both your 2024 and 2025 applications

Under your Year 2024 application, you will see instructions that states:

If you made changes to Year 2024 application and want to apply the same changes to 2025 application, click here

Click that link to update your information in both applications. For example, if you are reporting a move to a new address that you will be living at into until at least January 2024, you will be able to choose to have this information automatically updated for next year as well.

I see both a Year 2025 and a Year 2024 application. Which application should I make changes to?

  • If you have any changes that happened in 2024, make those to your Year 2024 application.
    For example, You moved on November 5, 2024, and now have a new home address. You should make this change to your Year 2024 application.
  • If you have changes that happened in 2024 and will continue in 2025, make those changes on your 2024 application and then choose YES when you are asked if you want to apply those 2024 changes to your 2025 application.
    For example, If you expect to still live at the new address you moved to on November 5, 2024, into 2025, click “Yes” to update this information in both Year 2024 and Year 2025 applications.
  • If you have changes that will happen in 2025, make those to your Year 2025 application only.
    For example, If you are planning to move to a new address on January 2, 2025, you should make this change to your Year 2025 application only.
Sign into your account to report changes now

Shopping for a 2025 plan

If you are currently enrolled in Health Connector coverage for 2025, follow these simple steps to shop for a 2025 plan.

Remember, you will be enrolled into the same or similar plan if you take no action to shop. By shopping and comparing your options during Open Enrollment, you may be able to find a health plan that costs you less but still covers the benefits you need and the doctors you want. 

Step 1: Sign into your account

Step 2: Go to the Plans section of your account

Step 3: On the Health Connector Health & Dental Plans page, go to the Upcoming 2025 Enrollment tab.

Note that you may see a few different tabs that include your Current 2024 Enrollment. If you experienced a qualifying life event and changed your current 2024 plan enrollment to start December 1st, you might also see an Upcoming 2024 Enrollment tab for that plan.)

Step 4: From there, you will be able to browse 2025 plans by clicking the Change Plans button and confirm you want to change plans.

Step 5: Click the “Continue” button on the next page and begin browsing plans.

Whether you plan to enroll into the same (or similar) plan as you were in 2024, or shop for a new plan for 2025, you will need to continue to make your premium payments on time to avoid a gap in coverage.

ConnectorCare Plan Shopping Guide

ConnetorCare 2024 Shopping Guide thumbnail

The ConnectorCare Shopping Guide for 2025 offers step-by-step instructions for choosing and enrolling in a ConnectorCare health plan.

Download in English

Health Connector Plan Shopping Guide

QHP 2024 Shopping Guide thumbnail

The Health Plan Shopping Guide offers step-by-step instructions to help you choose and enroll in a Health Connector (unsubsidized) health plan.

Download in English

Need help?

Free help is available from local Navigators and Certified Application Counselors throughout Massachusetts. There are trained trained experts ready to help in multiple languages.

Find Help Near You

Plan Finder Tool

This tool can help you see which of your preferred providers and prescription drugs are covered by the health plans available to you through the Massachusetts Health Connector.

Find Plans Now

Plan Benefit Comparison Tool

If you’re enrolled in a 2023 Health Connector health or dental plan, this tool can help you compare 2024 and 2025 plan benefits and costs, apples-to-apples.

Compare Plans Now