Minimum Creditable Coverage is a standard that the health insurance of a Massachusetts adult must meet by January 1, 2009. This standard includes certain benefits involving preventative and primary care, emergency services, hospital stays, outpatient services, prescription drugs, and mental health services.

Specifically, a plan must:

  1. Cover prescription drugs.
  2. Cover 3 regular doctor visits and check-ups for an individual or 6 for a family before any deductibles.
  3. Cap the deductible at $2,000 for an individual or $4,000 for a family each year.
  4. Cap out-of-pocket spending for non-Rx health services at $5,000 for an individual or $10,000 for a family each year if you have a deductible or co-insurance).
  5. Not cap total benefits for a sickness or for each year; and more.

For more detailed information, please refer to the Commonwealth Health Insurance Connector's site at