1 Massachusetts Health Connector logo The Health Connector: Massachusetts New and Improved Health Insurance Marketplace
2 Massachusetts: The model for national health care reform 1 Massachusetts led the nation in 2006 with a comprehensive health care reform law and the establishment of a new Marketplace: the Massachusetts Health Connector, designed to make affordable health insurance available to more people. Today 250,000 Massachusetts residents have health insurance through the Health Connector, and our state has the highest rate of health insurance coverage in the nation. National health reform builds upon the successful example set by Massachusetts. As a result, individuals, families, and small businesses who go to the Health Connector can find even more options, enhanced benefits, and savings. Massachusetts 2013: Highest rate of insurance coverage in the country Massachusetts 2014: More people have more choices for insurance and savings
3 2 What the Health Connector can do for you The Health Connector offers health and dental insurance plans from the state s leading insurers and provides tools that make it easier to compare plans. It s a great way to find the right plan for you, your family, or your small business. Visit MAhealthconnector.org to shop for health and dental insurance. All of the plans offered by the Health Connector have been awarded the state s Seal of Approval, so you can be sure the plan you choose meets both state and national coverage standards.
4 Here s what you ll find at the Health Connector 3 Health insurance plans All of the health plans offered provide comprehensive health benefits, including prescription drugs and visits to the doctor or hospital. Individuals, families, and small businesses can compare plans from the state s leading health insurance companies, then choose the plan that best meets their needs and budget. The Health Connector s plans are grouped in metallic tiers to make it even easier for shoppers to compare: Platinum plans have the highest premiums but the lowest co-pays and deductibles. Gold and Silver plans have lower premiums but higher co-pays and deductibles. Bronze plans have the lowest premiums but the highest co-pays and deductibles. Each health plan may have different doctors, hospitals, and other providers in its networks. You can easily look up the doctors, hospitals, or providers you want on the Health Connector s website, MAhealthconnector.org, which makes it easy to find the right plan. Dental plans PREMIUMS Typically, the lower the premium, the more you have to pay when you get health care services. For the first time, the Health Connector is offering dental coverage. Individuals, families, and small businesses can choose from a variety of dental plans sponsored by leading dental insurance companies. CO-PAYS AND DEDUCTIBLES
5 4 Enjoy One-Stop Shopping! If you re shopping for yourself or others in your household, you may be able to get help paying for health and dental insurance when you buy through the Health Connector. Think you can t afford health insurance? The Health Connector will show you instantly what the plans will cost and what savings are available. More people than ever before can get help paying for health insurance, thanks to national health reform.
6 New ways to save Lower premiums: If you qualify for tax credits, dollars are paid directly to your health insurance company so that your monthly premium costs less. 5 Lower out-of-pocket costs: Through cost sharing reductions, costs such as co-pays, deductibles, and co-insurance can also be lowered. ConnectorCare plans are partially paid for by the state, and offer even lower monthly premiums and out-of-pocket costs. You may qualify for help paying for insurance if your income and household size meet certain criteria. For example: If you are single and you make less than $46,000 If you are a family of four and you make less than $94,000 Visit the Health Connector at MAhealthconnector.org to find out right away if you can get tax credits, cost sharing reductions, or are eligible for a ConnectorCare plan. You may qualify for help for paying for insurance if you are: Single and make less than A family of four and make less than
7 Think your small business can t afford insurance? If you re a small business or a broker serving a small business, the Health Connector offers a wide selection of health plans from leading insurers. Dental insurance is also available to small businesses through the Health Connector for the first time. Here s how the Health Connector can help you: Small business tax credits: Qualified small businesses can get a tax credit for up to 50% of health insurance premium costs if they purchase health insurance through the Health Connector. Wellness rebate: Qualified small businesses can get a wellness rebate for 15% of health insurance premiums by participating in Wellness Track, the Health Connector s wellness program for small employers and employees. Small businesses with or fewer eligible employees can choose from a wide selection of plans. Dental insurance is available, too! You can keep using your broker at the Health Connector. The Health Connector is pleased to partner with brokers to provide our products and services to small businesses. 6 Visit MAhealthconnector.org for more information on these savings opportunities for Massachusetts small businesses.
8 Coming soon The Health Connector contact center will offer user-friendly features to help you shop or manage your account, including: online chat support message center the ability to check your balance by phone The Health Connector is your trusted source for up-to-date information. Finding the right health and dental insurance plan is easy at MAhealthconnector.org or at MA ENROLL ( ) or TTY We re here Monday to Friday, 8:00 a.m. to 6:00 p.m. The Health Connector s customer service agents can assist you with questions about how to apply, help you choose a plan, or discuss payment options. From October through March, the contact center will be open from Monday to Friday, 7:00 a.m. to 7:00 p.m. and Saturdays, 9:00 a.m. to 3:00 p.m. Support is available in many languages.
The Affordable Care Act and the Health Insurance Marketplace Are You Ready? The Affordable Care Act is here! In March 2010, President Obama signed into law the Affordable Care Act (ACA), putting comprehensive
Health Insurance Shopper s Guide 3 steps to choosing the right health plan for you and your family. Ready to get started? We re here for you online, on the phone or in person. Visit for a quick and free
The EMPLOYEE S GUIDE TO HEALTH CARE REFORM S TAX CREDITS Calculate Your Health Insurance Tax Credit 2 Introduction Beginning in 2014, massive tax credits will become available to help individuals buy health
Let us help you choose the health insurance plan that fits you best Call 855-381-1212, visit bcbstx.com or contact an independent Blue Cross and Blue Shield of Texas agent to get a quote today. Life Is
CUT THE COST OF HEALTH INSURANCE FINANCIAL HELP AND NO-COST COVERAGE ARE ON THE WAY FOR MORE OREGONIANS CoverOregon.com 1-855-CoverOR (1-855-268-3767) HAVING HEALTH INSURANCE PROTECTS YOU AND YOUR FAMILY
Health Care Reform & The Health Insurance Marketplace Presented by Mikal A Jeffries, CEBS Account Manager 1 Health Care Reform Review Goals of Health Care Reform Increase number of Americans with health
What You Need to Know about Health Insurance What You Need to Know about Health Insurance Choosing a Health Plan Keeping and Using Health Insurance Title How Here to Keep Title Your Here Marketplace Title
BlueEssentials SM Individual and Family Plans NEW INSURANCE PLANS FROM BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA Important Enrollment Dates ENROLLMENT DATE EFFECTIVE DATE November 15 through December 15,
Understanding Health Insurance Your Guide to the Affordable Care Act Summary Health insurance may seem like a luxury if you are on a tight budget. But protecting your health and your family is one of the
Your 2015 Health Care Selection Guide Survivor Benefit Applicants 1-888-227-7877 www.strsoh.org Section 1: Welcome This mailing includes the following materials designed to assist you in selecting your
Choosing a Medicare prescription drug plan. Medicare Made Clear TM Get Answers Series Look inside to: Learn about Part D prescription drug coverage options Find out what you need to know about the Part
A simple guide to health care reform for small business From a company that believes in making things simple Document prepared July, 2013 Be prepared. Motto of the Boy Scouts of America After much discussion
FREQUENTLY ASKED QUESTIONS ABOUT: RETIREE PRESCRIPTION DRUG COVERAGE & THE NEW MEDICARE PRESCRIPTION DRUG COVERAGE SIntroduction Starting January 1, 2006, Medicare prescription drug coverage will be available
Do you have health insurance? We will help you understand how to get, pay for, and use health insurance This presentation will help you understand how to get health insurance, how to pay for health insurance,
For people with HIV and/or hepatitis C and those seeking PrEP How to choose a health plan in Covered California: Do it before February 15, 2015! CONTRIBUTORS: Project Inform, APLA Health & Wellness, San
Getting started with Medicare. Medicare Made Clear TM Get Answers: Medicare Education Look inside to: Understand the difference between Medicare plans Compare plans and choose the right one for you See
Effective Jan. 1, 2015 2015 STRS Ohio Health Care Program Guide 2 www.strsoh.org Welcome Thank you for your interest in the STRS Ohio Health Care Program. We understand that choosing a health care plan
Introduction In 1789, Ben Franklin spoke of two certainties in life, death and taxes. He could have added a third change. The Affordable Care Act was signed into law in 2010, and it has brought with it
What You Need to Know about Health Insurance What You Need to Know about Health Insurance Choosing a Health Plan Applying for Health Insurance Title What Here to Do Title if You Here Are Title Uninsured
Louisiana Department of Insurance Consumer s Guide to Health Insurance James J. Donelon, Commissioner of Insurance Message from Commissioner of Insurance Jim Donelon Health care costs are continuing to
The Massachusetts Employer s Comprehensive Guide to National Health Reform Page 1 Published December 2013 Note: This guide is also available at MAhealthconnector.org Photographer Rick Bern Page 2 Table
PrivateHealth.gov.au Australia s leading independent source of information about private health insurance There are many things to consider when looking into private health insurance how does it all work?