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Minimum Creditable Coverage

Under the Massachusetts Health Care reform Act, most Massachusetts residents 18 or older must carry health insurance that meets specific standards called Minimum Creditable Coverage (MCC).

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 have been established by the Commonwealth Health Insurance Connector Authority Board effective January 1, 2009. Specific additions were added to the MCC standards for 2014.

Does MCC apply to me?
MCC applies to Massachusetts residents who are 18 years or older.

What happens if my plan does not meet the MCC standards?
If your plan does not meet the MCC standards you may face a tax penalty.

How is MCC compliance being reported and monitored?
The Massachusetts Health Care Reform law requires most residents over the age of 18 to prove that they have health care coverage or pay penalty. Individuals will be required to transcribe data contained in the 2013 MA 1099-HC form to their annual state income tax filing statement provided by the Massachusetts Department of Revenue (DOR).

By January 31, 2014, Blue Cross Blue Shield of Massachusetts will issue 2013 MA 1099-HC forms to qualifying subscribers residing in Massachusetts who were enrolled in a Blue Cross Blue Shield of Massachusetts health plan at any time during the calendar year.

The following subscribers will not be receiving a MA 1099-HC form:

  • Subscribers younger than 18 years old
  • 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

Want a copy of your 1099-HC form emailed right to your In-Box?
Create an account or login to Member Central. Once logged in, click on Contact Us to request a copy of your MA 1099-HC form through the secure inquiry form.

To help support our members and answer questions they might have about getting an MA 1099-HC form, please visit