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Compare health insurance quotes in Massachusetts

Comparing health insurance quotes in Massachusetts is easier than you think. We make it easy for you to find the best policy for you and your family.

When comparing health insurance quotes in Massachusetts, it's important to know the basics to get the best rate. Otherwise, you could end up paying for coverage that's less than ideal for your needs.

For example, a person born in the "Baby Boomer era" most likely needs far more health coverage than a young, fit Millennial in excellent health.

The good news is that it's easy to find a quality health plan in the Bay State. The trick is to take a systematic approach that includes the most important factors like price and exclusions.

So, with that in mind, here's how to compare health insurance quotes if you live in the state of Massachusetts.

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What do you need to know to compare health insurance quotes in Massachusetts?

The general rule of thumb to compare health insurance rates in Massachusetts; you should know how insurance carriers price their policies and what you need to do to keep the policy in good standing.

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Unfortunately, if you let your coverage lapse and you still need care, you’ll likely end up paying out of pocket if you don’t qualify for special enrollment, and that can be more expensive than you ever imagined.

In a state like Massachusetts, there are state laws requiring citizens to purchase health insurance in addition to federal requirements. In fact, Massachusetts was one of the first states to mandate health insurance for all.

The good news is that the state offers residents many ways to fulfill the requirement to carry insurance.

You can take advantage of discounts on the federal health exchange or the state-operated exchange. Either way will satisfy the requirement to have health insurance.

So, what goes into the pricing of an insurance policy when comparing quotes?

How do health insurance carriers price insurance policies?

Essentially the cost of insurance boils down to three categories: premiums, deductibles, and out-of-pocket expenses. Co-pays are another factor, but those usually come into play when you need to see a specialist, not a general practitioner.

The difficulty - and the confusion - isn’t that some insurance policies require co-pays every time you visit the doctor. There are also more expensive policies requiring no co-pays unless you see a specific type of specialist.

Still, to make the best choice, here’s what you should know about premiums, deductibles, and out-of-pocket expenses.

Premiums

Essentially, a premium is a price you pay monthly to keep the policy active. If you don’t pay your premiums, your insurance will no longer be valid, Even If you experience an emergency. In that situation, the cost falls to you.

Deductibles

Most important of all, you should know that a deductible is a separate expense from a premium. A deductible is an amount you must pay to receive services. Some insurance policies come with a high deductible in exchange for a lower monthly premium or vice versa.

Out-of-pocket expenses

Out-of-pocket expenses are a general category of costs that may include services like prescription drugs, co-pays, or medical devices. Indeed, insurance carriers can’t deny you coverage, but that doesn’t mean they have to pay everything. The law still allows insurance carriers to charge various amounts for various services.

That’s why it’s so vital that you select a good insurance policy from the very start, and the only way to do that is by comparing quotes the right way.

Comparing insurance quotes in MA is faster than you think

Without an online tool for comparing Health insurance rates in Massachusetts, it’ll take much longer to find a policy that both fits your needs and comes at a reasonable price. That’s where MassHealthPlans.com comes into the equation.

Our platform is quickly becoming the number one choice for Massachusetts residents who need health insurance speedily and can’t afford to wait another day.

All you need to do to get started is fill out your basic information as well as an online Health questionnaire to determine your basic health status (e.g., cigarette smoker).

Rest assured that you will be approved for a health insurance policy even if you have pre-existing conditions. That’s the law!

Enter your zip code above to compare health insurance quotes in Massachusetts today!

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MassHealthplans.com is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at masshealthplans.com/licenses.html.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

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Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.