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Massachusetts Health Insurance (MA)Choose from the list below to learn more about specific health insurance providers in Massachusetts. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.
Get a quote for health insurance now.>> Health Insurance Providers in Massachusetts (MA)Blue Cross and Blue Shield of Massachusetts Individual Health Insurance in Massachusetts (MA)Individual health insurance companies are not allowed to turn an applicant down due to a health problem. A person who is HIPAA eligible follows the same rules for purchasing individual coverage. The State of Massachusetts requires standardized policies for all consumers. The same insurance companies may also offer a plan with identical provisions but higher deductibles and co-payments and no prescription drug plan. Insurance companies are allowed to impose a six-month waiting period for coverage with individual plans. They are also allowed to exclude coverage for six months on pre-existing conditions if there has been a break of more than 63 days in prior insurance. They are not allowed to attach elimination riders to individual policies. Premiums on individual policies cannot be raised based on modified community rating. If you should become sick, your insurance cannot be cancelled. Conversion policies are available to you when leaving a group policy that is fully insured. Group Health Insurance in Massachusetts (MA)Group health insurance must be provided to you when you qualify, even if you have health problems. Certain life changes dealing with children, marriage, death, and loss of a job can give you additional opportunities for group health coverage. A new employer is allowed a waiting period before offering group insurance. The look back period for insurance companies to check for pre-existing conditions is six months. There is a six-month maximum exclusion period for pre-existing conditions in group policies. The State also allows a waiting period for any insured before health coverage begins, even without a pre-existing condition. When joining new group insurance, if you have had continuous coverage without a break of over 63 days, you are protected from exclusion or waiting periods for pre-existing conditions by creditable coverage.
Get a quote for health insurance now.>> Small Business Health Insurance in Massachusetts (MA)Small businesses with one to 50 employees cannot be turned down for small group health coverage in Massachusetts. Small employers pay premiums that are modified community rated, meaning they cannot vary due to health conditions, gender, and number of claims within the group. There is a program called the MassHealth Insurance Partnership which helps small employers pay health premiums, based on certain income characteristics of their groups. Self-Employed Health Insurance in Massachusetts (MA)Self-employed people are allowed to buy small group health insurance. The Massachusetss Division of Insurance should be consulted about professional associations who have group health insurance available for members, as the regulations are slightly different for these groups. Massachusetts Division of Insurance Massachusetts Programs (MA)Financial assistance in the State is provided through MassHealth, Children’s Medical Security Plan, Medical Security Plan, and Breast and Cervical Cancer Treatment Program.
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Key Facts... From 1999 to 2009, employer-sponsored family health insurance premiums increased 131% and the average annual cost of coverage went from $5,791 to $13,375. You may be able to lower costs by switching to a private plan. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. The Recession of 2008-2009 meant that 6.9 million people lost their employer-sponsored insurance. Of those, 3 million became uninsured. Source: Based on John Holahan and Bowen Garrett, "Rising Unemployment, Medicaid, and the Uninsured." Among 300 million Americans, 15% are uninsured, 52% have coverage through an employer, 27% are covered under Medicare/Medicaid, and only 5% have private non-group coverage. Are you insured? If not, then request a quote today. Source: Kaiser Commission on Medicaid and Uninsured/Urban Institute analysis of March 2009 CPS. Average premiums for health insurance coverage range widely from state-to-state. In New York, annual premiums are an average of $6,630, while in Iowa they are $2,606. Find out how much you can save by requesting a quote. Source: AHIP Center for Policy and Research. "Individual Health Insurance 2009." |
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