Process for Contingent Workers to Apply for Health Insurance With MA Health Connector

Contingent workers are eligible to enroll in health insurance through the MA Health Connector if they are residents of Massachusetts. Please follow the instructions below to shop and enroll in a health insurance plan. A glossary of terms is provided for your assistance.

  • Click on the link to the MA Health Connector: www.mahealthconnector.org.
  • On the MA Health Connector website, click on “Individuals & Families”.
  • Click “Start Now”.
  • Indicate your family size.
  • You will be taken to a screen that asks about your household income. This screen informs you that you might be eligible for assistance with your insurance costs. In order to continue shopping for insurance, you should click “Continue” on this screen, regardless of your household income.
    • If you are shopping for insurance at a time of year when enrollment for insurance is not open, you may encounter a screen that states that enrollment is closed and that you need to return between specified dates. If you encounter that screen, then follow these steps:
  • Click on “See If You Qualify”.
    • In order to qualify your must answer the subsequent questions in the following way:
      • I had at least 18 months of health insurance coverage without a break of more than 62 days. TRUE (Note that this is true if you have come to the United States from a country that supports a national health care system or if you had coverage with another employer)
      • I am eligible for an employer's health insurance benefits. FALSE
      • I am not eligible for Medicare or MassHealth. TRUE
      • I lost my most recent coverage because I failed to pay for it or committed fraud. FALSE
      • Click "Continue".
  • On the next page, choose ONLY “Become ineligible for an employer's health insurance benefits.”
  • On the next page click “Shop Now.”
  • You will be allowed to choose from a variety of options. For information on the terminology you will encounter while shopping, see the following glossary.

Glossary of terms

Deductible- A fixed dollar amount you must pay each calendar year before your health plan begins paying benefits for you or your covered dependents. Many services are not subject to a deductible, meaning that insurance will cover those expenses immediately. Examples of expenses that are generally exempt from the deductible are: Prescription drugs; Office visits (primary care physician, specialists, preventive care); and Mental health. Other services may also be exempt from a deductible, so you should consult your insurance provider for a full list.

Annual out of pocket max-This is the maximum amount of money that you will have to pay out-of-pocket, taking into consideration your deductible, co-pay, and co-insurance.

Co-Pay- The amount of money that you will pay, in addition to your monthly insurance payment, in order to visit a doctor.

Generic Rx- The amount of money that you will pay, in addition to your monthly insurance payment, for most medication.

Emergency Room- The amount of money that you will pay, in addition to your monthly insurance payment, if you are taken to the emergency room.

Hospital Stay- The amount of money that you will pay, in addition to your monthly insurance payment, if you are admitted to the hospital.