Current through Register 1531, September 27, 2024
(1)
Eligibility for a Non-group Health Plan without Financial
Assistance. To be eligible for a Non-group Health Plan without financial assistance, the
individual must:
(a) Be a citizen or national of the United States, or a
non-citizen who is lawfully present in the United States, as defined in
45 CFR
152.2, and is reasonably expected to be a citizen, national, or a
non-citizen who is lawfully present for the entire period for which enrollment is sought;
(b) Not be incarcerated, other than incarceration pending the disposition
of charges; and
(c) Be a Resident.
To be eligible for a Non-group Health Plan that is a catastrophic plan, as
described at
42 USC
§
18022(e), an individual must meet the above
eligibility requirements and also not have reached 30 years of age before the beginning of the plan year or
have a qualifying exemption from the requirement to maintain minimum essential coverage under the Internal
Revenue Code, 45 CFR
155.305(h)(2), §5000A.
(2)
Eligibility for a Non-group Health Plan with APTC
Only. To be eligible for a Non-group Health Plan with APTC only, the individual must:
(a) Meet the eligibility requirements for a Non-group Health Plan without
Financial Assistance set forth in 956 CMR 12.04(1);
(b) Meet the
eligibility requirements for federal Advance Premium Tax Credits set forth in
45 CFR
155.305(f); and
(c) Not meet the eligibility requirements for ConnectorCare set forth in
956 CMR 12.04(3).
(3)
Eligibility for
ConnectorCare.
(a) To be eligible for ConnectorCare, an
individual must:
1. Have an expected Household MAGI for the year for which
the individual is seeking ConnectorCare that is at or below 500% of the FPL; and
2. Meet the eligibility requirements for a Non-group Health Plan with APTC
only, as set forth in 956 CMR
12.04(2)(a) and (b).
(b) The eligibility determination for ConnectorCare will include a
determination of the Plan Type based on the individual's Household MAGI as a percentage of the FPL for the
year for which the individual is seeking ConnectorCare. Premium Assistance amounts and Cost Sharing Subsidies
will vary among Plan Types, as determined by the Board. The following are the different levels of such income
for each Plan Type:
1. Plan Type 1 - not in excess of 100% of the
FPL.
2. Plan Type 2 - more than 100%, but not in excess of 200%
of the FPL, except that persons at or below 150% of FPL will be in Plan Type 2A, and those over 150% and not
over 200% of FPL will be in Plan Type 2B.
3. Plan Type 3 - more
than 200% but not in excess of 500% of FPL, except that:
a. persons at or
below 250% of the FPL will be in Plan Type 3A;
b. persons above
250% of the FPL and not over 300% of the FPL will be in Plan Type 3B;
c. persons above 300% of the FPL and not over 400% of the FPL will be in
Plan Type 3C; and
d. persons above 400% of the FPL and not over
500% of the FPL will be in Plan Type 3D.
(c)
Premiums for ConnectorCare. Premiums paid by ConnectorCare Enrollees within the same
Plan Type may vary depending on the Health Plan selected. The differentials in Premiums for Health Plans will
be determined by the Connector based on the difference in cost of the Health Plans. There will be at least
one Health Plan available to Plan Type 1 and Plan Type 2A Eligible Individuals that has no Premium provided
that the Enrollee chooses to elect the full amount of APTC available to that Enrollee. There will be at least
one Health Plan available to Plan Types 2B and three Eligible Individuals that will cost the minimum Premium
set by the Board in accordance with
956 CMR 12.12(9)
provided that the Enrollee chooses to elect the full amount of APTC
available to that Enrollee.
(4)
Eligibility for Small Group Health Plans.
(a)
Small Employer Eligibility to Offer Small Group Health Plans. To be an Eligible
Small Employer, an Employer must:
1. Be a Small Employer;
2. Be actively engaged in business;
3. Offer at a minimum all full-time Employees, defined as all Employees who
are employed on average at least 30 hours of service per week, coverage in a Small Group Health
Plan;
4. Either have its principal business address in the
Commonwealth and offer coverage to all its full-time employees through the Health Connector; or offer
coverage to each eligible employee through a Small Business Health Options Program established under
42 USC §
18031,
serving that employee's primary worksite; and
5. Meet minimum
participation or contribution requirements, or both, as established by Connector policies, except that such
participation and contribution requirements shall be waived during the Small Group Open Enrollment Period set
forth in 956 CMR
12.11(3).
(b) A Small Employer that has enrolled in coverage for its Employees shall
not cease to be an Eligible Small Employer during a coverage year merely because the number of Employees it
employs increases over 50.