Questions & Answers

What are the Massachusetts "Minimum Creditable Coverage" (MCC) standards?

MCC is the minimum acceptable level of benefits that you need in order to be considered insured and avoid tax penalties in Massachusetts. If you had insurance in 2020, Form MA 1099-HC issued to you by your insurer will tell you if your plan met these requirements.

If you had insurance from a state or federal sponsored government insurance program (such as Medicare, MassHealth, a tribal organization or the Indian Health Service, or health insurance for U.S. Military, including Veterans Administration and TRICARE), your plan met these requirements.

Note: MCC is not the same as Minimum Essential Coverage, which is the type of coverage you and your dependents need to be considered insured. For more information about the federal requirements, visit

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