Massachusetts Health Insurance Quotes

Got Burning Questions about Massachusetts Medical Insurance?

We’ve got answers.

1. Am I required to have health insurance? Yes. Recently Massachusetts became the first state to require coverage for all of its citizens. The deadline for obtaining health insurance is July 2007.

2. What’s the best place for information? Hands down, it’s the Massachusetts State Department of Insurance, which can be found at www.state.ma.us/doi. The Insurance Information Institute, www.iii.org, is a good place for general inquires about health insurance not specific to Massachusetts.

3. What if I need help finding affordable private insurance? The Commonwealth Health Insurance Connector connects qualified Massachusetts residents with affordable health insurance if they don’t already have it. 

4. What if I can’t afford private insurance? If you have a low or modest income, you and your family may be eligible for free or subsidized health insurance through MassHealth. MassHealth programs offer discounted coverage for expectant mothers, families, children, small businesses, people who are HIV positive, as well as elderly and disabled individuals.

5. What if I leave my job? If you leave your job, it is possible to remain on your old group plan for a limited time. This is called COBRA or state-continued coverage. State-continued coverage can help you while you shop for a new health insurance policy or wait for a new one to start. 

6. How can I save money? If possible, buy group health insurance. If your employer doesn't offer health insurance, look to other groups and clubs you belong to, as they are also eligible to purchase a small group policy.

Consider any extras than can be taken out for a lower premium. Coverage areas like vision, dental and mental health can usually be removed if necessary.

 Buy early. Remember, in Massachusetts, health insurance policies are guaranteed renewable, so buying your policy now—even if you are healthy—is a surefire way to make sure you are covered later, when you might not be enjoying good health.