Can you get help paying for health insurance
through the Health Connector?
You may qualify if you:
Shop through the
Massachusetts Health Connector
Live in Massachusetts
Are a U.S. citizen, national, or are otherwise
lawfully present in the U.S.
Have an eligible income (see chart below)
You won’t be able to qualify if you:
Get coverage through Medicare, MassHealth
(Medicaid), or other public health insurance
programs
Are in jail at this time
Are offered affordable, comprehensive health
insurance from an employer.
Note: If the cost of your employer’s health insurance
plan is more than 9.12% of your household income,
then that coverage is not considered affordable.
2022 FEDERAL POVERTY LEVEL (FPL) GUIDELINES
Household size
ConnectorCare
Plan Type 1 & 2A
(0-150% FPL)
ConnectorCare Plan
Type 2B
(150-200% FPL)
ConnectorCare
Plan Type 3A
(200-250% FPL)
ConnectorCare
Plan Type 3B
(250-300% FPL)
Tax credit only*
(over 300% FPL)
1 up to $20,385 $20,386–$27,180 $27,181–$33,975 $32,201–$40,770 $40,771 and up
2 up to $27,465 $27,466–$36,620 $36,621–$45,775 $43,551–$54,930 $54,931 and up
3 up to $34,545 $34,546–$46,060 $46,061–$57,575 $54,901–$69,090 $69,091 and up
4 up to $41,625 $41,626–$55,500 $55,501–$69,375 $66,251–$83,250 $83,251 and up
For each extra
person, add:
$7,080 $9,440 $11,800 $14,160 $13,620 and up*
Lowest monthly
premium for
ConenctorCare
$0 $48 $93 $137
Tax credit
amount varies*
*Use the "Get an Estimate" tool and preview what programs and savings you may
qualify for at www.mahealthconnector.org/get-an-estimate
ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-877-623-6765 (TTY:
1-877-623-7773).
ATENÇÃO: se fala português, encontram-se disponíveis serviços linguísticos, grátis. Ligue para 1-877-623-6765 (TTY: 1-877-623-
7773).
ConnectorCare plans
¡ For households with income at 300% of the FPL
or lower.
¡ The ConnectorCare Plan Type you can qualify for
is also based on your household FPL.
¡ Depending on where you live, you may be able to
choose from up to four different health plans.
¡ All of the benets covered by ConnectorCare
plans will be the same. The costs will vary by
plan type. Provider networks (the doctors and
hospitals covered by the plan) vary by insurance
carrier.
Example of ConnectorCare savings:
Jim is 45 years old, lives in Boston, and earns $35,000
a year. He qualifies for ConnectorCare plan Type 3B with
a $316 tax credit. Jim chooses the lowest-cost
ConnectorCare plan that is available in his area, after
checking to make sure that his primary care doctor is
covered in its provider network.
Jim’s monthly premium is only $118.08 a month. Because
he is in a ConnectorCare plan, he has no deductible, and
pays less out-of-pocket for things like prescriptions and
co-pays when he goes to the doctor.
ConnectorCare members’ monthly premiums
can be as low as:
¡ $0 per month for Plan Type 1 and Plan Type 2A
¡ $48 per month for Plan Type 2B
¡ $93 per month for Plan Type 3A
¡ $137
per month for Plan Type 3B
Depending on where you live, you may be able
to choose a ConnectorCare plan from:
Advance Premium Tax Credits
¡ For households with income above 300%
of the FPL.
¡ Tax credits are applied to your monthly
bill to help to lower the cost of your health
insurance premiums.
¡ Your tax credit amount is based on how much
help you’ll need to make a high-quality health
insurance plan affordable to you.
¡ You can apply your tax credit to any Health
Connector plan (other than Catastrophic
coverage).
Example of Tax Credit savings:
Sally and Bob are a married couple living in Springfield.
They are both 35 years old and have a combined
income of about $60,000 a year.
They qualify for a tax credit of $477 per month to help
make their coverage more affordable. Sally and Bob
choose a Health Connector health plan that usually
costs $798.88 a month. By using their tax credit, their
premium is only $321.88 per month.
Need help?
There are many places where you can get free, in-
person help with applying and enrolling in a plan.
The Health Connector has support staff at several
walk-in centers across the state.
You can also make an appointment to work with
an Enrollment Assister. These are people who have
been trained to help you with applying and enrolling
through the Health Connector.
You can nd a full list of places to get in-person help
at:
www.MAhealthconnector.org/here-to-help
The Massachusetts Health Connector complies with
applicable federal and state civil rights laws. We do not
exclude or treat people differently due to race, color,
national origin or ancestry, sex, age, gender identity, sexual
orientation, disability, health status or condition, quality of
life, or religious creed.
