Do I qualify for ConnectorCare?

Produced by Massachusetts Law Reform Institute
Reviewed November 2021

To qualify for ConnectorCare:

  • You must live in Massachusetts.
  • You must be a U.S. citizen or a “lawfully present” non-citizen.
  • Your income must be 3 times the federal poverty level for your family size or lower. See the ConnectorCare Upper Income Limits table.
    • The Health Connector counts:
      • your federal taxable income for the year, and
      • some income like your social security income, even if it is not taxable.
      • Your family size is based on the people you include on your federal tax return.
    • See more about the ways the Connector counts income and family size
  • You must be unable to qualify for other kinds of health coverage like:
  • You must agree to file a federal tax return for the year in which you get ConnectorCare.
    • Even if you do not make enough money to have to file taxes, you must file a tax return to get the “tax credit” that the government uses to pay for your ConnectorCare HMO.
    • See more about ConnectorCare and tax filing
  • If you are married, and will file taxes as “married filing separately” you only qualify for ConnectorCare if you need to file separately because of abuse or abandonment.
  • You must enroll in one of the HMOs that offer ConnectorCare plans:
    1. Choose an HMO, and
    2. Pay any premium that is due by the 23d of the month so you can start coverage on the 1st of the next month.
  • You can apply at any time of year, but you must enroll:
    • within 60 days of the date you are found eligible for ConnectorCare, or
    • for coverage in 2022, during “open enrollment” that began Nov 1, 2021 and ends Jan. 23, 2022.
  • If you miss the enrollment deadline, you have to show the Connector that you qualify for a “special enrollment period.” See more about special enrollment periods in the ConnectorCare Advocacy Guide.

If your income is more than 300% of poverty

You may still be able to get a discount on the premium for other kinds of Health Connector Plans. Check the Get an estimate tool to find out if you qualify for this help paying your premium.

COVID-19 Update

The information on this page does not reflect COVID-19 emergency policies affecting ConnectorCare, like the closure of the Health Connector's walk-in centers. See the Health Connector's COVID-19 webpage.

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