How do I know if my plan met Massachusetts' Minimum Creditable Coverage?

If you had private insurance, Massachusetts-licensed health insurance companies must put an MCC-compliance notice on their plans to indicate if the plan meets MCC requirements. Most plans do meet the MCC standards. If you received a Form MA 1099-HC from your insurer, that form will indicate whether your insurance met MCC requirements. If you didn't receive a Form MA 1099-HC, you can find out by asking your health insurance provider, asking your employer's human resources department, or looking up the details of your plan.

You automatically meet MCC if you're enrolled in:

• Medicare Part A or B.
• Any Qualified Health Plan purchased through the Massachusetts Health Connector or directly through a carrier, including ConnectorCare plans and catastrophic plans.
• MassHealth (except MassHealth Limited).
• A qualified Student Health Insurance Plan (SHIP) offered in Massachusetts or another state.
• Eligibility for services through a tribal organization or Indian Health Service plan.
• TRICARE.
• The U.S. Veterans Administration Health System.
• A health insurance plan offered by the federal government to federal employees or retirees.
• Peace Corps, VISTA or AmeriCorps or National Civilian Community Corps coverage.
• A federally-qualified high deductible health plan (HDHP) offered with a Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) if it meets the MCC requirements.