If you have a job that offers health insurance, enrolling in one of your employer's plans may be the most affordable option.

You can also buy health insurance on your own, directly from licensed health insurance companies and HMOs. Know that Massachusetts law forbids these insurance companies to deny your application or charge you more because of your medical history.

Research Your Plan

Check out the health plan's information and appeal services. For example, is there a toll-free number available to members 24/7? Are the grievance and appeal procedures clearly described?

Research consumer complaints against the insurer. Check the insurance company's consumer complaint record with the National Association of Insurance Commissioners and the Better Business Bureau. Health care reform has provided a new way to buy health insurance, through the Commonwealth Health Insurance Connector.


Options for Massachusetts Residents

Lower income individuals may be eligible for subsidized premiums through the ConnectorCare program.

The Connector program offers many different insurance plans for small businesses and individuals regardless of income.

You can find out more by visiting the Health Care Connector website or by calling (877) 623-6765

People with limited income and their children may also qualify for health coverage under one of many public programs such as:

For information about these programs, including the eligibility requirements, call the MassHealth Customer Service Center at 800-841-2900.