Massachusetts Health Insurance Policies

→ Click here to visit the Massachusetts Division of Insurance online

Guaranteed Health Insurance Plan

As a HIPPA eligible enrollee you are:

• Guaranteed the right to purchase a health insurance policy from any insurance company offering individual coverage
• Exempt from any pre-existing condition exclusion periods or elimination riders

HIPAA Eligibility

To be HIPAA eligible in Massachusetts, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

About Massachusetts Coverage

Premiums for individual health policies in Massachusetts cannot vary due to age, gender or health status. These "community rated" premiums may vary depending upon family size, where you live in the state, and the type of policy you select. Check with a Massachusetts insurance carrier for the most current premium rates.

What health plans are available?

All Massachusetts individual market health insurance carriers must sell at least three products to all HIPAA-eligible individuals on a guaranteed issue basis. Here are some major health carriers:

Blue Cross

(800) 262-2583

Harvard Pilgrim Healthcare

(888) 888-4742

Tufts Association Health Plans

(800) 462-0224

Where to get more information

To get more information, visit the Massachusetts Division of Insurance online at www.mass.gov/doi/home.html or call (617) 521-7794.

Special insurance for children: MassHealth

A family of four making up to $41,304 a year may be eligible for MassHealth.

• Do you qualify? Visit Eligibility
• Questions? View their Guide or call (800) 841-29007