Minimum Essential Coverage (MEC) is health coverage that meets certain standards that are defined by the Affordable Care Act (ACA). While there is no longer a federal penalty, Massachusetts residents can still face a state tax penalty for not having coverage that meets MCC requirements. In addition to Massachusetts law, federal law contains a similar requirement that individuals obtain coverage that meets certain minimum standards. How does Minimum Creditable Coverage (MCC) work with the federal Minimum Essential Coverage (MEC) mandate? You can view a more detailed explanation of the requirements on the Massachusetts Health Connector website. Diagnostic imaging and screening procedures, including x-rays.Ambulatory services, including outpatient, day surgery and related anesthesia.Mental health and substance abuse services.Maternity and newborn care, including pre-and-postnatal care.Medical/surgical care, including preventive and primary care.These benefits include a broad range of services, and they apply to all members covered by the plan: The Massachusetts Health Connector (a state agency) has issued regulations to define the key benefits that a plan must provide to be considered MCC. What kinds of health insurance are considered MCC? MCC standards help ensure that the people covered do not suffer a major financial burden if they suffer from a serious injury or illness. MCC is the minimum level of health coverage that Massachusetts residents must have to avoid tax penalties under the state’s individual mandate law. Massachusetts law requires adult residents to carry health insurance coverage that meets “Minimum Creditable Coverage” (MCC) standards designed to provide access to a broad range of affordable health care services, including preventive health care. What is Minimum Creditable Coverage in Massachusetts? This mandate is in addition to the federal mandates under the Affordable Care Act (ACA). The Massachusetts Health Connector sets the coverage and affordability standards, and the Massachusetts Department of Revenue (DOR) monitors and enforces the requirement via the state tax filing process. ![]() Massachusetts has an “individual health insurance mandate” which requires most adults to carry health insurance if it is affordable to them and that meets certain coverage standards, which are referred to as “Minimum Creditable Coverage” (MCC). If your business employs Massachusetts residents age 18 or older, or if you are an adult tax filer in Massachusetts, it is important to understand the Massachusetts-specific health coverage requirements that individuals must comply with. With the frequent changes in the health insurance landscape, it can be challenging for employers to know what kind of health plans are best for their employees, and tough for employees to choose a plan that best suits the needs of their family.
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