Affordable Health Insurance


CHP serves all income levels and accepts MassHealth, Medicare together with more than 100 private insurance plans. No one is denied health care because of an inability to pay. CHP does require  everyone who wants financial assistance to apply for all state and federal programs for which they are eligible and pay some amount – however small – that they can afford.

Affordable Care Act

Massachusetts was the first state in the US to require its residents to have health insurance.  October 1, 2013 the Affordable Care Act (ACA) required all residents to have health insurance, but there are some changes—even in this state.  The ACA expanded Medicaid and created a Health Insurance Marketplace where anyone who doesn’t already have health insurance through an employer can compare and choose from Qualified Health Plans (QHPs).

Qualified Health Plans must supply certain baselines of coverage.  For instance, it is already against the law to deny health insurance coverage to a child who has a pre-existing medical condition.

The ACA helps low and moderate income people, who don’t have health insurance through their employer, afford health insurance coverage.

affordablehealthcare2Eligibility is based on age and federal income guidelines (2017).

Image result for federal poverty table 2017

  • Children can be eligible for more assistance than their parents.
  • Family members may have different insurance plans.

** Exceptions are senior citizens and undocumented individuals. For additional information, on these guidelines, click here.

CHP’s Certified Application Counselors can assist you with your applications for government subsidized health insurance, such as MassHealth or new options now available through Massachusetts Health Connector.  They will help you choose the right health insurance plan to meet your family needs.

Get help with insurance enrollment now.  Click here to send a secure message to our Enrollment Team.

The easiest way to qualify for subsidies for health insurance is to have current income tax filings.  To make it easier for residents to transition to the ACA, CHP has worked with Central Berkshire Habitat for Humanity, United Way, Berkshire Community College, and the IRS to expand the Volunteer Tax Assistance Program. This assistance is free to those who qualify.