FAQ

How to get health insurance in massachusetts without a job

we understand this can be a scary time

with the economy disrupted by covid-19, some companies are downsizing. Many people are suddenly out of a job and without health insurance. We understand that the loss of health insurance can be frightening. When you live without insurance, even the most basic care can take a financial toll. therefore, one of the first things you should do at this point is to explore ways to obtain coverage. Here are eight options that might help you get health insurance during these tough times:

coverage through a spouse

If you’re married and your spouse has a coverage option through their job, it’s usually the cheapest option for your spouse to add you and your family to their plan. Or, if your spouse is not currently enrolled in the coverage option through their job, they could enroll and then add you and your family. But don’t delay, there’s a 30-day special enrollment period to make the switch. After that, you and your family won’t be able to join the plan until the standard open enrollment period at your spouse’s company. If you’re under 26, you may even be able to join your parent’s employer-based plan.

Reading: How to get health insurance in massachusetts without a job

Look at the health insurance marketplace (or “exchange”)

The Health Insurance Marketplace (also known as the Exchange) is a service that helps you shop for and enroll in affordable health insurance. mass., r.i. and n.h. everyone has their own market options.

massachusetts offers health plans from leading insurers in the massachusetts health connector. In response to COVID-19, the Connector is offering an extended enrollment period through June 23, 2020 for qualified Massachusetts residents who are uninsured.

tufts health plan offers two high-quality health plans through the connector:

  • tufts health direct: Our network plan focused on individuals and families. members can access affordable connectorcare plans and other financial assistance programs. For more information, visit Tufts Health Direct or call 888.257.1985.
  • tufts health premier: Affordable hmo plans with a variety of benefit options. for more information, call 800.462.0224.
  • You can learn more about the connector here or by calling 877.623.6765.

    rhode island offers health plans through healthsource ri, which offers a special enrollment period (september) through april 30, 2020 for qualified uninsured individuals. those who complete an online application must indicate that they have experienced an “other” September event and note the coronavirus as an explanation. coverage will begin the first day of the month following the request. For more information, contact the HealthSource RI Call Center Monday through Friday, 8 a.m. to 5 p.m. m. to 6 p.m. m. at 1-855-840-4774.

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    new hampshire offers the granite advantage health care program. Coverage for individuals with Granite Advantage is provided through the New Hampshire Medicaid Care Management (MCM) Program plans. The program is for adults ages 19 to 65 who are within certain income limits and need health coverage. you can enroll in the granite advantage program through nh easy.

    buy an “off-exchange” plan

    “Non-exchange” describes a health insurance plan you buy directly from an insurance company or through a licensed broker outside of an official state or federal health insurance marketplace (or exchange). All of these plans are “guaranteed issue,” meaning the insurance company can’t deny coverage because you have a pre-existing medical condition or because they expect you to use a lot of medical services.

    For information on companies that offer plans to people in massachusetts, including tufts health plan, visit our partner agency, hsa insurance.

    are you eligible for medicaid or masshealth?

    Medicaid is a public assistance health program for low-income Americans, regardless of age. in massachusetts, the program is called masshealth. provides free or low-cost health coverage to individuals, families and children, pregnant women, the elderly, and people with disabilities. Many states have expanded their Medicaid programs to cover everyone below certain income levels. mass., r.i. and n.h. all offer expanded coverage for low-income adults.

    tufts health plan offers three medicaid plans:

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