Massachusetts Health Insurance Plans and Healthshare Programs
HSA for America Offers Massachusetts Health Insurance Plans and Healthshare programs at the Lowest Rates Available!
HSA-QUALIFIED HEALTH INSURANCE QUOTE
The word "HSA" will be in the plan name if the plan is HSA-qualified. You will also see quotes for non-HSA plans.
HEALTH SHARING PLAN QUOTE
Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses.
We have indicated the most popular option we offer in MA in the list of health insurance carriers and health sharing organizations that we represent below. Easily compare plans and rates when you run a health insurance instant quote or a healthshare instant quote.
In Massachusetts there is a mandate requiring residents to carry qualified health insurance. If you are not exempt from this requirement and do not have health insurance, you will be required to pay a penalty of 2.5% of your income, and no less than $695 per person and an additional $347.50.
We believe that people should be free to make their own decisions about their healthcare. Fortunately, members of qualified health care sharing plans are exempt from this mandate. The health sharing plans in Massachusetts that we recommend include Altrua Healthshare, Medi-share, Mpowering Benefits, and Sedera.
Altrua is notable for its popular RUBY plan tier. It features extremely low monthly costs, though benefits are limited as well.
For example, sharing benefits are capped at $150,000 per year. Unlike most other Altrua is a particularly good match for older health share members because it doesn’t have age banding.
DPC Direct is an affordable, cost-efficient health sharing program exclusively for Direct Primary Care patients.
DPC clinics charge a low monthly fee to cover all primary care, including preventive care and unlimited doctor visits, while the DPC Direct protects from emergency and hospitalization expenses. (Read more about Direct Primary Care in our Complete Guide to Direct Primary Care).
Harvard Pilgrim is a not-for-profit organization that has been around for 50 years and now serves more than 3 million Americans in Connecticut, Massachusetts, Maine, and New Hampshire. (Individual and family plans are not available in Connecticut).
Read More about Harvard Pilgrim
Interested in contributing to a health savings account but you’re in a health sharing plan that isn’t HSA-eligible? Then HSA MEC may be the solution for you.
HSA MEC isn’t a health sharing plan per se. Instead, HSA MEC is an add-on to your existing health sharing plan that qualifies you to make pre-tax contributions to HSAs.
So you can take advantage of the immense tax benefits of the health savings account.
Note: At this time, HSA MEC is only available to business owners, independent contractors, and those with verifiable income from self-employment. Those with DPC memberships are not allowed to make HSA contributions.
This innovative health share plan is HSA-compatible on its own. HSA Secure offers great catastrophic sharing benefits, and excellent value overall.
Currently only available to business owners, independent contractors, or individuals with verifiable self-employment income. (If you don’t meet these criteria, consider the CARE+ plan, which has nearly identical benefits (except it does not include certain preventative screenings) and is available to anyone, including W-2 employees and those between jobs or looking for an affordable “bridge to Medicare eligibility.”
Jericho Share is an excellent, very low-cost choice if you want a health sharing plan focused on major and catastrophic needs and you can afford to contribute up to $10,000 to $15,000 per year in the event you unexpectedly need care.
It’s faith-based, but non-denominational. The Jericho Divine plan is arguably the best catastrophic-focused value in the health share industry.
With 30 years of experience, Mass General Brigham Health Plan – formerly Neighborhood Health Plan (NHP) – is a not-for-profit, NCQA-accredited health plan that offers coverage for individuals and families in Massachusetts.
Read More about Mass General Brigham Health Plan
National General Holdings Corp, the parent company of Accident & Health, covers a wide range of insurances from car to homeowner to health. As a division of NGHC, National General Accident & Health is committed to bringing short-term and supplemental coverage to individuals and groups.
A subsidiary of the prominent health care sharing ministry NetWell, NetWellRx makes the 605 most-prescribed generic prescription drugs available to subscribers for free.
Sedera Health has one of the shortest waiting periods for pre-existing conditions (36 months) in the health share industry.
No annual or lifetime sharing caps, though certain dollar amounts and/or visit limits apply to specific types of medical care and therapies. Secular - no religious component or requirement.
The number one health plan in the country, Tufts Health Plan has been providing quality healthcare to Massachusetts residents since 1979. They have a strong commitment to their community through the promotion of healthy living in a variety of programs and activities.
Universal Healthshare is based on the principles of Unitarian Universalism.
This faith-based but non-denominational health sharing ministry is open to members of all faiths who agree to adhere to its statement of principles. A good choice for someone who wants a low initial non-shareable amount. Universal is a good choice for those with pre-existing conditions, with a short 1-year exclusion period, then a $50,000 cap for years 2 and 3.
Read More about Universal Healthshare
Prosper’s health share offering is designed for people who want a benefits-rich plan that includes preventative care and significant sharing for primary care doctor visits.
Higher monthly costs than some other health share plans, but still much lower than unsubsidized traditional health insurance products. Compare with netWell and OneShare Health.
Read More about Universal Healthshare Prosper Program
WBA offers a very low-priced supplemental accident plan that will reduce your deductible for any accident, to just $100. To learn more and sign up, visit the Accident Plans page.
HSA-QUALIFIED HEALTH INSURANCE QUOTE
HEALTH SHARING PLAN QUOTE
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