Minimum creditable coverage

Under the Massachusetts Health Care Reform Act, most Massachusetts residents 18 years of age must carry health insurance that meets specific standards called Minimum Creditable Coverage (MCC).

If you can't find the answer to your question below, or want more information about Minimum Creditable Coverage, please visit the Massachusetts Health Connector.

What is MCC?

MCC establishes the lowest health plan benefit threshold an individual must have, in order to meet the requirement for Massachusetts residents to have health insurance. Regulations defining minimum creditable coverage were established by the Commonwealth Health Insurance Connector Authority Board effective January 1, 2009.

Does MCC apply to me?

MCC applies to Massachusetts residents who are 18 years of age.

What happens if my plan doesn't meet MCC standards?

If your plan doesn't meet MCC, standards you may face a tax penalty.

How is MCC compliance being reported and monitored?

The Massachusetts Health Care Reform Act requires most residents over the age of 18 to prove that they have health care coverage or pay a penalty. Individuals will be required to transcribe data contained in the Massachusetts Form 1099-HC to their annual state income tax filing statement provided by the Massachusetts Department of Revenue (DOR).

Blue Cross Blue Shield of Massachusetts issues MA 1099-HC forms to qualifying subscribers residing in Massachusetts who are enrolled in a Blue Cross Blue Shield of Massachusetts health plan at any time during the calendar year.

The following subscribers won't be receiving a MA 1099-HC form:

  • Subscribers younger than 18 years of age
  • Subscribers having a dental- and/or vision-only plan through Blue Cross Blue Shield of Massachusetts
  • Subscribers enrolled in Medex®' or one of our Medicare Advantage plans

How can I get my 1099-HC online?

Qualified members can download a PDF version of their 1099-HC by signing in to MyBlue, and going to Tax Forms. We'll post the form by January 31.

If you want a copy of your 1099-HC emailed to you, you can create an account or sign in to MyBlue, then select Contact Us to request a copy through the secure inquiry form.