There are many public health insurance plans and options that make healthcare accessible to all Massachusetts residents. These services are provided through the U.S. federal government or Massachusetts Medicaid and Medicare programs. These public health insurance programs are available to you in the event that you are unable to afford other health insurance options, you reach the appropriate age bracket, or are disabled.
Click on an area below to be taken to more detailed pages about Obamacare (the Affordable Care Act), Medicaid, or Medicare programs, plans, options, and FAQs.
ObamaCare, The Affordable Care Act
Obamacare, or the Affordable Care Act, refers to any health care insurance plan that can be bought through the federally operated Health Insurance Marketplace. When applying for Obamacare, you may find that you also qualify for cost assistance or government subsidies.
The following carriers are available on the Hawaii exchange:
- BCBS Hawaii
- Kaiser Permanente
If you would like to purchase coverage from a payer outside the exchange (i.e. United Health Alliance or Hawaii Medical Assurance Association), you can, but you will not be able to utilize your subsidies or qualify for financial assistance. If you opt to go outside the exchange for more options, you would lose your subsidies if you qualify for financial assistance. As a note, a carrier off the exchange may still be less expensive than a carrier on the exchange even with financial assistance. This is why it is so important to know your available options.
Learn more about the Obamacare program, Marketplace, plans, and FAQs
Hawaii Medicaid: Health Insurance For Low-Income
Hawaii Medicaid is the state-funded health insurance for low-income individuals, families, pregnant women, and those with disabilities. Hawaii made the decision to expand its its Medicaid program, which extended coverage to adults that have income up to 133% of the Federal Poverty Level (FPL). The number of those enrolled in Medicaid and CHIP in Hawaii has increased by 16% since the program expanded. About 50% of Hawaii’s population now qualifies for Medicaid and many may not even be aware of this fact. If you have attempted to qualify for Hawaii Medicaid previously and were denied, it is encouraged that you try again.
Learn more about the Hawaii Medicaid program, plans, options, and FAQs
Medicare is the federal health insurance for those who are 65 years of age or older, or who have a specific disability such as end-stage renal disease. If you have Medicare Part A today, you meet the requirements for qualified health coverage per the Affordable Care Act. Medicare Part B, unfortunately, does not meet this requirement so you will need additional health insurance coverage to avoid the Affordable Care Act penalty. Today, 17% of the Hawaii population receives Medicare benefits.
Hawaii Medicare programs and services include:
- Original Medicare Plans - Part A (hospital insurance), Part B (medical insurance)
- Medicare Advantage Plan - Part C
- Medicare Rx Plan - Part D
Learn more about the Hawaii Medicare program, plans, options, and FAQs