The calculator does not display a tobacco surcharge. Premiums in the calculator vary by age within the three to one limit specified in the law, using age factors from proposed regulations issued by HHS (or, state specific age factors where states have adopted them). The premium is adjusted for family size and age of the user. Actual premiums may be higher if plans include "non-essential benefits" such as dental or vision care. Premiums shown are the premium portion used for Essential Health Benefits. Not all plans are available in all parts of the county, so actual premiums may vary depending on plan availability. The silver premium is the second-lowest cost silver premium available in the county of the entered zip code and the bronze premium shown is the lowest-cost bronze plan in the county of the entered zip code. Premiums were obtained through data published by HHS, data received directly from state exchanges or insurance departments, and data collected from state-based exchanges by KFF researchers. Premiums displayed in the calculator’s results are based on actual exchange premiums in 2023 dollars. The calculator includes subsidy increases for 2023 in the Inflation Reduction Act. The Health Insurance Marketplace Calculator is based on the Affordable Care Act (ACA) as signed into law in 2010, and subsequent regulations issued by Health and Human Services (HHS) and the Internal Revenue Service (IRS). 31, 2023, to correct the poverty guidelines used when income is entered as a “Percent of Poverty.” 27, 2022, with premiums for 2023 plans, and again on Jan. Be sure to use our new Plan Finder Tool to see if your preferred providers, facilities, and prescription drugs are in a plan’s network before you enroll.Editor's Note: This calculator was updated on Oct. WellSense Health Plan, formerly BMC HealthNet Plan.Įach insurer’s plan may have different doctors or hospitals in their provider networks.Mass General Brigham Health Plan, formerly AllWays Health Partners,.Depending on where you live, you may be able to choose from ConnectorCare plans offered by: Before you enroll, use our online tools to see if see if the providers you want and the prescription drugs that you need are covered in the plan’s network.ĬonnectorCare plans are offered by some of the leading insurers in the state. Each insurer’s plan may have different doctors or hospitals in their provider networks. You can also see examples of the monthly premiums for each Plan Type.ĬonnectorCare plans are offered by some of the leading insurers in the state. You can see the co-pays for different services in the chart on the next page. All of the plans offered for each Plan Type will have the same benefits and co-pays for covered services. There are different ConnectorCare Plan Types, which are based on your income. ConnectorCare plans have low monthly premiums, low co-pays, and no deductibles. What kind of coverage do you get with ConnectorCare?ĬonnectorCare plans offer great coverage with important benefits like doctor visits, prescription medications, and emergency care. This means that there will be more choices of plans available to choose from Blue Cross Blue Shield of Massachusetts, Harvard Pilgrim Health Care, and UnitedHealthcare, which will join current participating carriers Fallon Health, Health New England, Mass General Brigham Health Plan, Tufts Health Plan, and WellSense Health Plan.ĬonnectorCare Plans: Affordable, high-quality coverage from the Health ConnectorĬonnectorCare plans have $0 or low monthly premiums, low out-of-pocket costs, and no deductibles. All carriers will now participate in the program for the first time.This means that more people will now qualify for this program, as the income limit for individuals increases from $43,470 in 2023 to $72,900 in 2024, and $90,000 in 2023 to $150,000 in 2024 for a family of four. Income limits for ConnectorCare have been expanded from 300% of the Federal Poverty Level to 500%.These changes will be in effect beginning January 1, 2024. Important update about ConnectorCare PlansĮxciting news: Massachusetts is making health care more affordable and accessible for thousands of people through the ConnectorCare program.
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