Blue Cross Blue Shield of Massachusetts

Rules for Enrolling in an Individual Health Plan

If you are eligible to buy health insurance in Massachusetts directly from a health insurer, you may only purchase health care coverage, or make a change to your current coverage, during an Open Enrollment period, or if you have an eligible life change (qualifying event). The next Federal Open Enrollment period will begin on November 15, 2014 and will conclude on February 15, 2015.

Your Current Coverage Will Be in Effect Until December 31, 2014

To comply with the new federal Open Enrollment period, the following changes are in effect for those purchasing their coverage between January 1, 2014 and December 31,2014.

  • Federal law requires us to renew your current health plan on January 1, 2015. As a result, if you are not enrolling on January 1, 2014, your current coverage period will be shortened.
  • You can use the below tool to determine if you are eligible for a policy endorsement prorating your benefits. Please note that if you enrolled after May 31, your benefits, including any deductible or out-of-pocket limitations, will not be prorated to reflect a coverage period of less than 12 months.

To Change Blue Cross Plans

If you are a current Blue Cross Blue Shield of Massachusetts member and wish to change plans during the Open Enrollment period, starting November 15, 2014, you can log in to your Member Central account and select Go to My BQi Account (on the right of your screen). This plan change will take effect on your 2014 renewal date. If you haven't already registered on Member Central, please create an account.

Eligible for a Premium Subsidy?

If you believe you may be eligible for a premium subsidy, please go to the Massachusetts Health Connector website or call 1-877-MA-ENROLL (1-877-623-6765). Premium subsidies are only available through the Health Connector, and the Health Connector can help you find out if you are eligible.


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