Best Health Insurance Agencies in Cambridge, MA

Individuals in Cambridge unable to access health insurance from their employment can benefit from buying insurance from the online provider Commonwealth Choice. The same holds true for those without coverage through their spouses or parents. Individual and family health plans, as well as special plans for healthy young adults, are available to purchasers. The provider makes it simple for them to compare various plans that meet their requirements. It is administered by a state agency and allows individuals to purchase insurance directly from private insurers.

Yes, state laws contain what is known as an individual mandate that requires residents aged 18 and older to carry health insurance. These health plans must also meet the minimum coverage requirements. On their state income tax return, Cambridge residents whose religion prohibits them from obtaining health insurance may submit a sworn statement. Noncompliance with all of these prerequisites may result in tax penalties.

In most cases, health insurance can only be canceled if there is fraud involved or no payments are made. If a Cambridge resident is unable to pay their premiums for any reason, they have 30 days to correct the situation before the policy is canceled. If the individual has a valid reason for the cancellation, they should contact the insurance carrier or the government agency through which they enrolled in the plan.

In Cambridge, you can get free health insurance called MassHealth, which combines Children's Health Insurance Program and Medicaid. To apply, call MassHealth Customer Service at (800) 841-2900 or 711 for TDD/TTY. You can also apply by mail, with an enrollment assister, or by visiting a MassHealth Enrollment Center (MEC) by appointment. Send your completed application to Health Insurance Processing Center, PO Box 4405, Taunton, MA 02780.

A standard individual medical insurance plan in Cambridge and throughout Massachusetts costs around $500 in monthly premiums. Expect to pay around $900 a month for high-level coverage. The actual premiums would be determined by factors such as age, zip code, gender, and others. These are also lower in people who are in good health.