Contents

Massachusetts Law

Massachusetts Regulations

Federal Law

Selected Case Law

Other Health Insurance Issues

Web Sources

Print Sources


Massachusetts Law

MGL c.111M Individual Health Coverage
The Massachusetts Mandated Health Insurance Law, added by St. 2006, c.58 , which also amended many other sections. Key provisions of the law include subsidized health insurance for residents earning less than 300% of the Federal Poverty Level, and low-cost insurance for all other residents who are not eligible for insurance through their employers.

St. 2012, c.224 An Act Improving the Quality of Health Care and Reducing Costs through Increased Transparency, Efficiency and Innovation. Health Care Cost Reduction. Signed Aug. 6, 2012. Various sections effective 2013-2017. See sections 281A-308 for specific effective dates.

MGL c.175I through MGL c.176Q cover various types of health insurance, including HMO, PPO, Group, Non-Group and more

Massachusetts Regulations

956 CMR Commonwealth Health Insurance Connector Authority

Federal Law

Patient Protection and Affordable Care Act links to PDF file , PL 111-148 (HR 3590)
The federal Health Care law is over 900 pages long. Changes include increased protection for those with pre-existing conditions, heightened penalties for certain employers who don't provide insurance, additional availability of insurance for children up to age 26, closure of the medicare "donut hole" for prescription drug coverage and more.

Selected Case Law

  • King v. Burwell links to PDF file , 576 US __ (June 25, 2015) Under the Affordable Care Act, taxpayers are eligible for a tax credit "for insurance purchased on any Exchange created under the Act," including both Federal and State Exchanges. " Those credits are necessary for the Federal Exchanges to function like their State Exchange counterparts, and to avoid the type of calamitous result that Congress plainly meant to avoid."
  • National Federation of Independent Business v. Sebelius , 567 US __ (2012). Individual mandate is legal. “The federal government does not have the power to order people to buy health insurance...The federal government does have the power to impose a tax on those without health insurance.”
  • Burwell v. Hobby Lobby Stores, Inc. links to PDF file , 573 US __ (2014)
    Under the Religious Freedom Restoration Act of 1993, closely-held corporations are not required to follow the Affordable Care Act's mandate that insurance cover contraceptives, if to do so would violate their sincere religious beliefs.
  • Finch v. Commonwealth Health Insurance Connector Authority , 461 Mass. 232 (2012)
    Coverage for legal immigrants. "Section 31(a) [of St.2009, c.65 ] cannot pass strict scrutiny. The discrimination against legal immigrants that its limiting language embodies violates their rights to equal protection under the Massachusetts Constitution."

Other Health Insurance Issues

Web Sources

Print Sources

Employer's Guide to Health Care Reform , Wolters Kluwer, annual

Health Care Reform: Yesterday and Tomorrow , Center for Advanced Legal Studies, 2010

Law of Life and Health Insurance , Bender,loose-leaf


Last update: August 26, 2016

Questions, comments or corrections on this website? Contact the law libraries' webperson. Questions about legal information? Contact our Reference Librarians.

See all topics