Massachusetts Small Business Health Insurance

There are different Massachusetts health insurance laws regarding small businesses and the self-employed. Often these types of health insurance policies are easier to qualify for than an individual health insurance policy, especially if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in Massachusettes

  • Briefly explains self-employed Massachusetts health insurance

  • Alerts you to a beneficial tax deduction

We also have a guide to Massachusetts health insurance for families and individuals.

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Massachusetts small business health insurance

All small businesses in Massachusetts are eligible to purchase Massachusetts small business health insurance. Also, if a small business has between 2 and 50 employees, Massachusetts health insurance companies must offer them a health insurance policy with similar benefits as ones they've sold to other small businesses.

Small businesses in Massachutsetts may also be required to meet a minimum enrollment requirement or risk having their policy canceled. In Massachusettes, health insurance Companies can require that a certain number of your eligible employees purchase the Massachusetts small business health insurance policy.

Another condition you may find in Massachusetts is the employer must contribute a pre-set amount toward his or her employee's premiums.

The amount Massachusetts health insurance companies can charge for Massachusetts small business health insurance cannot be raised due to the group's chancing health status. However, premiums can vary for, amoung other things, the group's age or family size.

Finally, it is illegal for Massachusetts health insurance companies to cancel an existing Massachusetts small business health insurance policy on the basis of a illness or accident involving one ot its policy holders.

Self-employed Massachusetts health insurance

States have different rules for dealing with health insurance for the self-employed. In Massachusettes, the owner of a small business benefits from the same health insurance protections offered to a small business employee, even if there are no other employees.

In addition to these protections, a self-employed individual that bears the extra burden of buying his or her own health insurance can benefit from a large tax deduction. If you itemize your taxes, part of your health insurance premiums can be deducted as an expense.

More MA small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

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

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