By paying part of their health-insurance premium, MassHealth Family Assistance can reduce your employee's cost.
To get premium assistance under MassHealth Family Assistance, your employees must meet certain rules. If you are self-employed and meet these rules, you too may qualify.
Eligibility requirements
To receive premium assistance under MassHealth Family Assistance, your employee must meet all of the following. If you are self-employed and you meet these rules, you too may qualify.
- live in Massachusetts
- be between age 19 and 64 (inclusive)
- not have been offered health insurance by you in the previous six months and not have been eligible for health insurance through his or her spouse's employer in the previous six months;
- have an employer who pays at least 50% of the health-insurance premium
- have a family income that is not more than the income standard
- be self-employed or work full-time or part-time for a qualified business with no more than 50 full-time workers.
Other requirements may apply.
Income standards
To qualify for premium assistance, your employee's gross family income (before taxes and other deductions) must be no more than 300% of the federal poverty level (FPL). These amounts are adjusted annually.
MassHealth Family Assistance will pay most of the monthly health-insurance premium for qualified employees.
The employee's share is reduced to a low monthly rate. In most cases, the monthly cost to the employee will be:
For families without children
| Income | Covered Adult | Couple |
|---|---|---|
| At or below 150% of the FPL | No premium | No premium |
| Greater than 150% of the FPL and at or below 200% of the FPL | $27 | $54 |
| Greater than 200% of the FPL and at or below 250% of the FPL | $53 | $106 |
| Greater than 250% of the FPL and at or below 300% of the FPL | $80 | $160 |
For families with children
| Income | Per child | Maximum |
|---|---|---|
| At or below 150% of the FPL | No premium | No premium |
| Greater than 150% of the FPL and at or below 200% of the FPL | $12 | $36 |
| Greater than 200% of the FPL and at or below 250% of the FPL | $20 | $60 |
| Greater than 250% of the FPL and at or below 300% of the FPL | $28 | $84 |
Individual circumstances may vary. In some cases, the cost may be higher.
For more information about the Insurance Partnership, call 1-800-399-8285 or
781-830-8282.
This information is provided by MassHealth.