The right plan. The right time.
If you need insurance, you may qualify for coverage through the Health Connector if you’ve recently lost coverage from another source, such as a job or Medicaid. Apply today and get covered.
ENROLLMENT DEADLINES
Welcome to the Massachusetts Health Connector
If you need insurance, you may qualify for coverage through the Health Connector if you experience a qualifying life event, like losing insurance from a job, that may allow you to get coverage now.
Ready to get started?
If you are applying with the Health Connector for the first time, here’s the steps you need to take to apply and enroll.
Information you may need before you start your application
Can you get help paying for health insurance through the Health Connector?
You may qualify if you:
You won’t be able to qualify if you:
FEDERAL POVERTY LEVEL (FPL) GUIDELINES
Note: The 2023 FPL guidelines are used for 2024 Health Connector coverage eligibility
Household size | ConnectorCare Plan Type 1 & 2A (0-150% 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) | ConnectorCare Plan Type 3D (400-500% FPL) | Tax credit only** (over 500% FPL) |
1 | up to $21,870 | $21,871–$29,160 | $29,161–$36,450 | $36,451–$43,740 | $43,741–$58,320 | $58,321–$72,900 | $72,901 and up |
2 | up to $29,580 | $29,581–$39,440 | $39,441–$49,300 | $49,301–$59,160 | $59,161–$78,880 | $78,881–$98,600 | $98,601 and up |
3 | up to $37,290 | $37,291–$49,720 | $49,721–$62,150 | $62,151–$74,580 | $74,581–$99,440 | $99,441–$124,300 | $124,301 and up |
4 | up to $45,000 | $45,001–$60,000 | $60,001–$75,000 | $75,001–$90,000 | $90,001–$120,000 | $120,001–$150,000 | $150,001 and up |
For each extra person, add: | $7,710 | $10,280 | $12,850 | $15,420 | $20,560 | $25,700 | $25,700 and up** |
Lowest monthly premium per person* | $0 | $49 | $96 | $142 | $219 | $255 | Tax credit amount varies** |
If you meet these requirements, you may be able to get help paying for health insurance. Find out more about help paying costs now →
You may need the following information and documents:
- Do any of the health plans that the employer offers meet the minimum value standard?
- What is the employee contribution to the lowest-cost health plan offered by your employer for an individual?
- How often?
- Weekly
- Every 2 weeks
- Twice a month
- Monthly
- How often?
People you can include on your application
Your eligibility determination depends upon your household size, income, and other factors that you will provide during the application process. When applying for coverage, tell us about all the household members who live with you. If you file taxes, we need to know about everyone on your tax return. You do not need to file taxes to get MassHealth, the Health Safety Net, or the Children’s Medical Security Plan, if you qualify.
DO include
- Yourself and your spouse (if married)
- Your natural, adoptive, or step children younger than age 19
- Your unmarried partner who lives with you if you have children together who are younger than age 19
- Your unmarried partner’s children who live with you and who are younger than age 19, if you also include this partner
- Anyone you include on your tax return (even if they do not live with you)
- Anyone your unmarried partner included on his or her tax return (even if they do not live with you), if you also include your unmarried partner
- Anyone else younger than age 19 who you live with and take care of
DO NOT include
- Your unmarried partner, unless you have children together
- Your unmarried partner’s children, unless they live with you or your unmarried partner included them on his or her tax return
- Your parents whom you live with if your parents file their own taxes and do not claim you as tax dependent (if you are age 19 or older)
- Other adult relatives whom you do not claim as tax dependents
The amount of help or type of program you may qualify for depends on the number of people in your household and their incomes. This information helps us make sure everyone gets the coverage they may be eligible for. Complete the required application information for yourself and all additional household members who live with you, or anyone on your same federal income tax return if you file one. If you do not file a tax return, remember to still add household members who live with you.
PLANS OFFERED THROUGH THE HEALTH CONNECTOR
FREE enrollment help is available!
You can call Health Connector Customer service at 1-877-MA-ENROLL (1-877-623-6765), or TTY 1-877-623-7773 for people who are deaf, hard of hearing, or speech disabled. Or, call a state-certified Navigator where you will find enrollment experts who can help you understand your coverage options and find the most affordable coverage that meets your needs.