ConnectorCare 2024: Open Enrollment begins Nov 1 2023

Massachusetts Health Connector: Open Enrollment 2024

Open Enrollment for the Health Connector is just around the corner, Nov 1, 2023 –Jan 23, 2024 for coverage starting in 2024. The Health Connector sent out preliminary redetermination notices to its current members and an opportunity to update their information and in October is sending out “final” notices. But Health Connector members still have time to update their information or change health plans for 2024. And for the many individuals who have been eligible for ConnectorCare but unenrolled in 2023, they can still enroll for 2023 coverage if they act by Oct 23 for Nov 1 2023 or Nov 23 for Dec 1, 2023.

Attached are sample notices of the preliminary eligibility notices that were sent over the summer. 

In 2024, ConnectorCare’s upper income limit will go from 300% FPL ($43,740 per year) to 500% FPL ($72,900 per year) under a 2-year pilot program approved as part of the FY 24 state budget. In addition, several of the major commercial carriers that have never before participated in either ConnectorCare or MassHealth will be participating in ConnectorCare  --albeit at a hefty premium compared to other plans. The new plans are Blue Cross Blue Shield, United and Harvard Pilgrim Health Care. and MGB is now offering two different products MGB Complete and MGB Select.  All ConnectorCare plans offer the same covered benefits with the same schedule of copays. They differ in their provider networks with the lower cost plans having narrower networks and the higher cost plans having broader networks.

Plan Type 3 now includes people with income from 200.1% FPL to 500% FPL. Plan Type three in addition to being divided into PT 3A for those from 200.1% to 250% FPL and PT 3B for those with income from 250.1% to 300% FPL will in 2024 have a new PT 3C for those from 300.1% to 400% FPL and PT 3D for those from 400.1% to 500% FPL.

Attached is the ConnectorCare Plan Map for 2024 showing premiums  by plan type for each plan available in different regions of the state. However, available premiums may be lower based on the more generous federal tax credit in recent years. The Health Connector’s Get an Estimate Tool is still the best way to assess likely plan costs before actually applying for a plan. It is now updated to show 2024 in addition to 2023.

Attached is the ConnectorCare benefit and copay schedule for 2024. ConnectorCare has also eliminated copayments for certain drugs that treat chronic conditions like hypertension, diabetes and asthma; the 2023 list is attached. 

Also attached is a Health Connector Webinar and Talking Points about ConnectorCare coverage in 2024. 

MLRI has updated its FPL Table for Nov 1, 2023 to show ConnectorCare upper Income limits from 100-500% FPL in 2024.