Health Care Reform

Massachusetts health care reform law requires most Massachusetts residents age 18 and older to have health coverage that meets minimum creditable coverage (MCC) standards set by the Massachusetts Health Connector, unless waived from the requirement based on affordability or individual hardship. Those who do not have health insurance that meets MCC standards but are deemed able to afford it may be subject to penalties on their personal income tax return.

For more information about MCC, call the Health Connector at 1-877-MA-ENROLL (1-877-623-6765) or visit the Health Connector website at

Subsidized Coverage

If you or your family earn 300 percent or less of the Federal Poverty Level (FPL), you may be eligible for Medicaid or state subsidies to purchase health coverage. To find out if you are eligible for subsidized coverage, visit the Health Connector website at

View Blue Cross Blue Shield of Massachusetts Health Connector Plans and their corresponding Summary of Benefits and Coverage.

Coverage from Blue Cross Blue Shield of Massachusetts

All of our health plans meet health care reform law guidelines and Massachusetts Division of Insurance standards. We also offer a range of options for all income levels, individuals and families, the unemployed, and people who are self-employed. To learn about our most popular coverage options, visit

National Health Care Reform Changes

One of the provisions of national health care reform requires plans that provide coverage to dependents to offer coverage to all young adults up to age 26, regardless of the dependent's IRS tax qualification status, marital status, or student status. For additional information about this provision and other national health care reform provisions, please visit our special National Health Care Reform information center.