Massachusetts Health Insurance Options

Are you a resident of Massachusetts? If so, you have certain options when it comes to your health care insurance. Healthcare in the Bay State is now a priority and the state offers some of the best healthcare plans anywhere in the country. The state is providing exceptional financial support to their health care plans and should continue to do so as the state’s healthcare industry continues to create jobs and bolster the state economy.

This state is considered the model for health care reform. Finding affordable healthcare insurance is easiest in Massachusetts including well-subsidized options for low-income residents.

The state is in the top three when it comes to infant mortality, immunizations, and occupational fatalities. This all results in this state being among the healthiest in the United States.

Employers are required under the Affordable Care Act to provide health insurance for their employees if they have more than 50 full-time equivalent employees. Most employer-sponsored healthcare insurance is less expensive than individual insurance. Employers make a contribution toward the employee’s premium and the employee picks up the difference. The employee may also be offered health insurance for their family members, but often must cover the entire cost of this additional insurance.

Massachusetts also offers public plans for those who don’t have employer-sponsored health insurance or who can’t afford private health insurance. The two state offerings are Commonwealth Care and Commonwealth Choice. For those residents who meet certain eligibility requirements, including income, Commonwealth Care is the comprehensive health insurance coverage. There are plans offering partial subsidization and others which may be completely subsidized, depending on income.

Commonwealth Choice is the state’s collection of health insurance plans which were offered by bid to provide affordable health insurance to employers, families, and individuals.

Residents may also search for their own private health insurance coverage. In fact, the majority of residents choose this method of finding coverage. Residents should always compare rates, benefits, and the reputation of the insurance company before making a decision on a plan. The easiest way to compare differing health insurance plans is to visit each company’s website to gather information.

There are several companies which provide private health insurance in this state. These include Fallon Community, Blue Cross Blue Shield, Harvard Pilgrim, CeltiCare, Neighborhood Health Plan, Health New England, and Tufts. The state encourages healthy competition in an effort to keep premiums as affordable as possible. The goal to make health insurance accessible to all residents and their families.