Do I qualify for ConnectorCare?

To qualify for ConnectorCare:

• You must live in Massachusetts.
• You must be a U.S. citizen or a “lawfully present” non-citizen.
  • See more about “lawfully present”
• 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:
  • Premium-free Medicare Part A,
  • Any kind of MassHealth, except MassHealth Limited, or
  • Insurance you can get through your employer that ConnectorCare counts as affordable.
  • See more about how other kinds of health coverage may affect your eligibility for ConnectorCare
• 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.