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  2. 2. Compare Plans
  3. 3. Apply
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Better Massachusetts Health Connector

 

Buying Massachusetts health insurance on the new exchange being established as part of the Affordable Care Act is easy as long as you know how it works. Our ForHealthInsurance.com guide to the Better Massachusetts Health Connector is here to give you all of the information you need. If you want to know just what kinds of plans and discounts are available at the Better Massachusetts Health Connector, read on.

Four ways to save on Massachusetts health insurance

The Better Massachusetts Health Connector will have many plans to choose from, but to make it easier to choose they are divided into four overarching categories: Bronze, Silver, Gold and Platinum.

Platinum plans provide the best value in terms of deductibles and co-payments, but they have a higher monthly premium, which covers 90 percent of your health care costs. A Bronze plan’s premium covers 60 percent of your expenses, with the rest made up through out of pocket costs. The Silver and Gold plans allow you to choose a Massachusetts health insurance plan with rates somewhere in between.

Don’t forget about health insurance tax subsidies

If you make between 133 percent and 400 percent of the Federal Poverty Line, you can get a tax credit on a Better Massachusetts Health Connector plan. These credits can make a pretty big difference. With an income of 400 percent of the FPL and a Silver plan, your Massachusetts health insurance costs won’t be more than 9.5 percent of your annual income. For those who make less than 400 percent of the FPL, a Silver plan will cost an even lower percentage of your income. If you make less, you pay less for Massachusetts health insurance.

What if I make below 133 percent of the FPL?

While browsing through the Better Massachusetts Health Connector you might be wondering if there is a cheaper alternative. With the expansion of Medicaid under the ACA, you are now eligible for the program if you make less than 133 percent of the FPL. Previously you had to make below 100 percent of the FPL. While the program open used to be open to people with dependents, you are now eligible even if you are a single childless adult.

Don’t be overwhelmed by the choices

If you are having trouble choosing a plan at the Better Massachusetts Health Connector, take a step back, and start evaluating your Massachusetts health insurance needs. Don’t think in vague terms of how often you make use of medical services. Dig through your records and get some concrete data. Find out an average number for your annual healthcare costs outside of premiums. This number can help you figure out how much money a particular Better Massachusetts Health Connector plan could save you in an average year. Take the guesswork out of the equation, and choosing a Massachusetts health insurance plan will be a lot easier.

How do I buy a  Better Massachusetts Health Connector plan?

To buy Massachusetts health insurance at the Better Massachusetts Health Connector give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.