Massachusetts

Written By Jerdon Johnston

Citizen Guide for Massachusetts

Understanding Your Healthcare Options in Massachusetts

Navigating healthcare coverage can be overwhelming, but Massachusetts offers several programs to help residents access quality care. Whether you are uninsured, underinsured, or seeking assistance with medical costs, this guide will introduce you to the key options available.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore your healthcare coverage options in Massachusetts.

  • You need financial assistance for medical costs.

  • You want to maximize the benefits of your current healthcare plan.

Key Healthcare Programs in Massachusetts

1. MassHealth (Medicaid & CHIP)

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.

  • What It Covers? Doctor visits, hospital care, prescriptions, preventive services, and more.

  • How to Apply? Visit MassHealth or apply through the federal marketplace at Health Connector.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Anyone who doesn’t get insurance through an employer, Medicare, or Medicaid.

  • What It Covers? Comprehensive health coverage, including preventive care, emergency services, and mental health care.

  • How to Apply? Visit Massachusetts Health Connector.

3. Medicare

  • Who Qualifies? Individuals 65+ or those with certain disabilities.

  • What It Covers?

    • Part A (Hospital Insurance)

    • Part B (Medical Insurance)

    • Optional Part D (Prescription Drug Coverage)

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

Many employers offer group health insurance plans, often covering part of the premium. If you have a job, check with your employer about available health benefits. COBRA may be available for those who recently lost job-based insurance.

5. Short-Term & Supplemental Health Plans

These plans provide temporary coverage or fill gaps in traditional insurance. Options include:

  • Short-term health plans for temporary needs.

  • Accident or critical illness insurance to help cover unexpected medical expenses.

Financial Assistance Programs

  • Premium Tax Credits – Reduce the cost of ACA marketplace plans.

  • Cost-Sharing Reductions – Lower out-of-pocket costs for qualifying individuals.

  • Massachusetts-Specific Assistance Programs – The state offers additional subsidies or programs for those who qualify.

Where to Get Help

  • Massachusetts Health Connector – Compare and enroll in ACA plans.

  • MassHealth Office – Apply for Medicaid or CHIP based on your eligibility.

  • Local Community Health Centers – Get low-cost or free healthcare services.

  • Tsunami Advisors – Personalized guidance to find the best plan for your needs.

➡ Need Help? Schedule a free consultation with a Tsunami Advisor today!

 
Jerdon Johnston