Mass Health Plans

Individual Health Insurance Plans in Massachusetts

Many employers today have had to cut costs. The increasing expense of health care has made it challenging for companies to pay for group insurance plans. Because of this, people often fully or partially pay for individual health insurance plans in Massachusetts. Your expected medical expenses and your income level determine the best health insurance plans for you. These two elements affect which policies offer the services you require at a price you can afford. You can buy an individual health care plan through the state marketplace.
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What Is Individual Health Coverage?

An individual health policy is a plan you purchase for yourself or your family. These personal health plans can have many advantages:

How Do You Compare Insurance Policies?

At MassHealthPlans.com, we provide you with a straightforward way to compare your insurance options for the state of Massachusetts. We show the differences so you can examine the benefits and choose the right plan for you. We connect you with state insurance brokers and providers to further assist your search for affordable health care coverage.

To begin, you provide us with some information regarding your personal needs. Then, we match you to the best plans available, saving you time and money in the process.

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When Should You Consider a Private Health Insurance Plan?

An individual health care policy may be a good option for you if:

Your company does not offer a group insurance plan.

Your existing health coverage does not provide the benefits you need.

You are self-employed or do freelance work.

Your health plan's premiums are too expensive.

Your current group plan does not cover spouses or dependents.

You do not qualify for Medicaid

Not sure what you need? learn more or talk to an agent today.

Bronze insurance programs have the most affordable premiums. However, you will have the highest deductible amounts and out-of-pocket costs with these policies. These plans cover about 60% of your health care expenses, meaning you will pay around 40% of your medical bills. This option is best for young, healthy people who only want coverage for emergencies or substantial medical expenses.

Silver insurance policies are typically a good fit for most people. These plans feature affordable premiums and deductible amounts, plus increased coinsurance benefits. You will pay more per month for this level of coverage, but you have fewer out-of-pocket expenses to pay before your insurance covers costs. Families with children may want to start their insurance search with Silver plans.

Plans in this tier cover about 70% of your medical bills unless you qualify for cost-sharing reductions. If your household income is below 250% of the federal poverty level, you may be eligible for reductions in the amount you pay for coinsurance, copays and deductibles.

With a gold plan, you pay around 20% of your medical costs, and your insurance pays about 80%. This coverage is helpful for individuals with regular health care and prescription needs. This level offers the most benefits but also has the most expensive monthly premiums. These plans have low deductibles and shared cost amounts. If you have significant medical needs that require you to use health insurance often, you may want to consider this option.

Ready to Get Insurance?

With MassHealthPlans.com, you can explore individual health insurance plans in minutes. We research policies to make it easy for you to quickly and efficiently compare rates from top insurance carriers and brokers in Massachusetts. Let us do the work to help you find the insurance coverage that fits your needs and budget.