Massachusetts Health Insurance

Massachusetts has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes Massachusetts health insurance policy regulations.

  • Lists rules Massachusetts health insurance companies follow.

Health insurance policies are regulated by each state's own health insurance laws. Massachusetts health insurance companies and policyholders alike must abide by established insurance laws.

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Massachusetts health insurance policy provisions

Some of the most important Massachusetts health insurance laws are the ones that influence the health insurance policy specifically. For one, your Massachusetts health insurance policy is guaranteed renewable as long as you have not provided any false information on your application and have paid your premiums on time.

Secondly, Massachusetts health insurance policies can not exclude coverage for a pre-existing condition.

Also, Massachusetts health insurance policies must cover certain standard benefits. You can get a list of required benefits by calling the Massachusetts Department of Insurance and requesting a list be sent to you.

Finally, newborns and adopted children must automatically included under a parent's individual Massachusetts health insurance plan for a minimum of 31 days if the health insurance policy already provides coverage for dependents.

Regulating Massachusetts health insurance companies

Massachusetts health insurance laws regarding Massachusetts health insurance companies mostly benefit you, the consumer. Understanding these laws is especially important in making sure your health insurance company continues to honor your original contract.

For instance, if you meet certain requirements, Massachusetts health insurance companies cannot deny you health insurance due to your health status, age or risk. Additionally, Massachusetts health insurance companies are prohibited from charging you more based on your gender or health. However, your family size, age, and demographics can affect your cost.

On a related note, Massachusetts health insurance companies cannot cancel your existing health insurance policy because of a decline in health. Once you purchase Massachusetts health insurance and continue to maintain the policy by paying the premiums, your Massachusetts health insurance policy can always be renewed.

Temporary Massachusetts health insurance

If you are seeking temporary Massachusetts health insurance, conversion policies are a good choice. These health insurance policies are available to individuals who have recently left a fully insured group policy.

Although the price may be higher and the coverage less, conversion policies offer adequate temporary Massachusetts health insurance at times when you have breaks in your health insurance coverage.

More MA health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.
Also see the guide to Massachusetts  

To find out more about MA health insurance laws and regulations, visit the official website of the Massachusetts Division of Insurance.