In 2006, a Massachusetts health insurance law was enacted that states that all residents must have health insurance by the summer of 2007. If however, the state is unable to negotiate reasonable and affordable premium rates, many residents will be excluded from the requirement. As with all legislation, time will tell will become of this new law, but clearly no one wants to go without health insurance if it is avoidable.

Some fear that the new Massachusetts health insurance law will result in a dramatic increase in premiums and claims, creating hardship for its residents. However, others argue that the law will protect consumers for paying for those who previously chose to remain uninsured. Either way, the fact remains that most people would not chose to go without health insurance if they could afford it.

For those residents who cannot afford open-market health insurance, the state of Massachusetts offers MassHealth, a subsidized health care program for eligible individuals, families, and seniors. Eligibility for MassHealth is based on household information and income and is designed to cover individuals and families with children under the age of 19. The program is designed to help those in financial need to obtain basic medical coverage. The program operates under the state department of health and human services and customer service can be reached by calling 1-800-841-2900.

For those who do not qualify for Massachusetts health insurance, there are several options in the open market. You can obtain quotes from an independent agent who can give you premium costs and coverages provided by health insurance companies that serve your area. They can also inform you of your rights to coverage under law.

There are many affordable options for health care coverage, but comparing costs and coverage can be tedious. If you are a senior in need of help selecting coverage, you can contact both the Massachusetts Department of Health and Human Services as well as an independent health insurance agent. There are a wide variety of plans to supplement Medicare including prescription drug coverage. You are not obligated to purchase insurance when you request quotes and information.

Though Massachusetts health insurance law does not require all employers to offer participation in a group health care plan, if you have insurance available through your employer, you cannot be denied participation. In most cases, group health care coverage is more affordable than private insurance. If coverage is offered through your employer, but you feel you cannot afford it, contact an agent for quotes and plans that might suit your budget or needs better.