Massachusetts offers one of the most comprehensive Medicaid programs in the country through MassHealth. Whether you are an individual, a parent, pregnant, or caring for a child, MassHealth provides free or low-cost health coverage to residents who meet income and eligibility requirements. This guide walks you through everything you need to know about how to apply for Medicaid in Massachusetts, including who qualifies, what documents you need, and exactly how to submit your application.
Not sure if you qualify? Use our free benefits screener to check your eligibility for MassHealth and other programs in just a few minutes.
What Is MassHealth?
MassHealth is the name for Medicaid and the Children's Health Insurance Program (CHIP) in Massachusetts. It is run by the Massachusetts Executive Office of Health and Human Services and covers a wide range of medical services including doctor visits, hospital stays, prescription drugs, dental care, vision care, mental health services, and more.
Massachusetts was one of the first states in the nation to pursue universal health coverage, and it expanded Medicaid under the Affordable Care Act (ACA) in 2014. Today, MassHealth covers approximately 1.6 million residents across the state.
There are several types of MassHealth coverage:
- MassHealth Standard provides full benefits for income-eligible adults, children, and families
- MassHealth CarePlus offers primary and preventive care for certain adults enrolled through Medicaid expansion
- MassHealth Family Assistance covers children and young adults in families with slightly higher incomes
- MassHealth Limited provides emergency services for certain immigrants who do not qualify for full coverage
MassHealth Eligibility Requirements
To qualify for MassHealth, you must meet the following basic requirements:
- Residency: You must be a resident of Massachusetts
- Citizenship or immigration status: You must be a U.S. citizen, U.S. national, or have a qualifying immigration status (some coverage types are available regardless of immigration status)
- Income: Your household income must fall within the program limits based on your household size and category
Massachusetts uses Modified Adjusted Gross Income (MAGI) to determine eligibility for most applicants. There is no asset or resource test for standard MAGI-based MassHealth coverage, which means your savings, car, or home value do not count against you.
MassHealth Income Limits
Income limits vary depending on your age, whether you are pregnant, and your household size. Massachusetts determines eligibility using the Federal Poverty Level (FPL). The table below shows the current income limits for the most common MassHealth categories.
Income Limits by Category (2025)
| Category | FPL Threshold | Monthly Income (1 Person) | Annual Income (1 Person) |
|---|---|---|---|
| Adults ages 19 to 64 | 138% FPL | Approximately $1,735 | Approximately $20,820 |
| Children ages 1 to 18 | 150% FPL | Approximately $1,957 | Approximately $23,484 |
| Infants under age 1 | 200% FPL | Approximately $2,610 | Approximately $31,320 |
| Pregnant women | 200% FPL | Approximately $2,610 | Approximately $31,320 |
| Seniors 65+ and disabled | 100% FPL | Approximately $1,305 | Approximately $15,660 |
Income Limits by Household Size at 138% FPL (Adults)
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 1 | $1,735 | $20,820 |
| 2 | $2,345 | $28,140 |
| 3 | $2,954 | $35,448 |
| 4 | $3,564 | $42,768 |
| 5 | $4,173 | $50,076 |
| 6 | $4,783 | $57,396 |
| 7 | $5,393 | $64,716 |
| 8 | $6,002 | $72,024 |
Note: These figures reflect the 133% FPL standard with a built-in 5% income disregard, which effectively makes the threshold 138% FPL. Amounts are based on the 2025 Federal Poverty Guidelines and are subject to change. Check with MassHealth or use our benefits screener for the most current numbers.
Children in families with incomes above MassHealth limits but below 300% FPL may qualify for coverage through CHIP (the Children's Medical Security Plan).
Documents You Will Need
Before you start your MassHealth application, gather the following documents to make the process smoother:
- Proof of identity: Driver's license, state ID, passport, or birth certificate
- Proof of Massachusetts residency: Utility bill, lease agreement, or mail with your Massachusetts address
- Social Security numbers for everyone applying
- Proof of income: Recent pay stubs, tax returns, W-2 forms, or a letter from your employer. If self-employed, bring profit and loss statements
- Proof of citizenship or immigration status: Birth certificate, U.S. passport, naturalization certificate, or immigration documents
- Information about current health insurance (if any)
- Tax filing information: Whether you plan to file taxes and who is in your tax household
If you do not have all your documents ready, you can still submit your application. MassHealth will tell you what additional information is needed and give you time to provide it.
How to Apply for MassHealth: Step by Step
Massachusetts offers four ways to apply for MassHealth. All methods use the same application, and you will be screened for both MassHealth and Health Connector coverage at the same time.
Option 1: Apply Online (Fastest Method)
- Go to MAhealthconnector.org
- Click "Apply" or "Get Started" to create an account
- Enter your personal information, household details, and income
- Upload or indicate that you will mail supporting documents
- Review your application and submit it electronically
- You will receive a confirmation number. Save it for your records
The online application is available 24/7 and is the fastest way to get a determination.
Option 2: Apply by Phone
Call MassHealth Customer Service at 1-800-841-2900 (TTY: 1-800-497-4648 for those who are deaf, hard of hearing, or speech disabled). Representatives can walk you through the application over the phone.
- Hours: Monday through Friday, 8:00 AM to 5:00 PM
- Language assistance is available in multiple languages
Option 3: Apply by Mail or Fax
- Download a paper application from Mass.gov or call 1-800-841-2900 to request one by mail
- Complete the form and include copies of your supporting documents
- Mail your application to: Health Insurance Processing Center, P.O. Box 4405, Taunton, MA 02780
- Or fax your application to 617-887-8770 (use the MassHealth fax cover sheet)
Option 4: Apply in Person
Visit a MassHealth Enrollment Center (MEC) near you. Staff can help you complete your application on the spot. To find the nearest MEC, call 1-888-665-9993 (TTY: 1-888-665-9997) or visit the MassHealth Enrollment Centers page on Mass.gov.
You can also get free help from a certified enrollment assister or navigator in your community. Find local help through the Health Connector's assister finder.
What Happens After You Apply
After submitting your application, here is what to expect:
-
Processing time: MassHealth must process your application within 45 days (90 days if you are applying based on a disability). Most online applications receive a determination faster.
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Eligibility determination: You will receive a notice in the mail or through your online account telling you whether you are approved, denied, or if more information is needed.
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Choose a health plan: If approved for MassHealth, you may need to select a managed care plan. MassHealth works with several health plans across the state.
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Get your MassHealth card: Once enrolled, you will receive your MassHealth member ID card. You can use this card to access covered services immediately.
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If denied: You have the right to appeal. The denial notice will explain how to request a fair hearing if you disagree with the decision.
Tips for a Successful Application
- Apply even if you are not sure you qualify. The application process will determine your eligibility for multiple programs at once, including MassHealth, ConnectorCare plans, and premium tax credits.
- Report all household income accurately. Underreporting or overreporting income can cause delays or incorrect eligibility determinations.
- Check your mail regularly. MassHealth may send requests for additional information. Missing deadlines can result in your application being denied.
- Keep copies of everything you submit, including your confirmation number.
- Update your information if your income, address, household size, or other circumstances change after you apply.
MassHealth Benefits and Covered Services
MassHealth Standard covers a wide range of services, including:
- Primary care and specialist visits
- Hospital inpatient and outpatient care
- Prescription medications
- Dental care (through MassHealth Dental)
- Vision care, including eyeglasses
- Mental health and substance use disorder treatment
- Preventive care and screenings
- Lab tests and X-rays
- Maternity and newborn care
- Home health services
- Durable medical equipment
- Transportation to medical appointments (through MassHealth's PT-1 program)
Most MassHealth members pay no premiums and have no copays for covered services.
Special Situations
Pregnant Women
Pregnant women in Massachusetts can qualify for MassHealth with incomes up to 200% FPL. Coverage includes prenatal care, delivery, and postpartum care for 12 months after the baby is born. If you are pregnant, apply as soon as possible to start receiving coverage.
Seniors and People with Disabilities
Residents aged 65 and older or those with disabilities have different eligibility rules. Income limits are generally set at 100% FPL, and there may be asset limits for certain long-term care programs. Seniors can apply through Mass.gov or by calling 1-800-841-2900.
Immigrants
Some immigrants who do not have qualifying immigration status may still be eligible for MassHealth Limited, which covers emergency medical services. Children and pregnant women may qualify for broader coverage regardless of immigration status through the Children's Medical Security Plan or other programs.
Renewing Your MassHealth Coverage
MassHealth coverage is not permanent. You must renew your coverage each year. MassHealth will send you a renewal form before your coverage period ends. You can renew:
- Online at MAhealthconnector.org
- By phone at 1-800-841-2900
- By returning the paper renewal form by mail
Make sure to respond promptly to renewal requests to avoid gaps in coverage.
Frequently Asked Questions
How long does it take to get approved for MassHealth?
MassHealth must make a decision on your application within 45 days (or 90 days if applying based on a disability). Many online applications are processed faster, sometimes within a few days.
Can I apply for MassHealth if I already have health insurance?
Yes. You can apply for MassHealth even if you currently have other health insurance. If you qualify, MassHealth may become your primary or secondary coverage.
Is there a cost for MassHealth?
Most MassHealth members pay no premiums and have no copays. Some coverage types for higher-income individuals may have small monthly premiums.
What if my income is too high for MassHealth?
If your income is above MassHealth limits, you may still qualify for subsidized coverage through the Massachusetts Health Connector. ConnectorCare plans offer low-cost options for residents with incomes up to 300% FPL. Use our benefits screener to see what you qualify for.
Can I apply for MassHealth for my children only?
Yes. You can apply for MassHealth coverage for your children even if you do not qualify yourself. Children have higher income limits than adults.
Does MassHealth cover dental and vision?
Yes. MassHealth Standard includes both dental coverage (through the MassHealth Dental program) and vision coverage, including routine eye exams and eyeglasses.
Where can I get help with my MassHealth application?
You can get free help from certified enrollment assisters in your community. Visit the Health Connector's assister finder or call 1-877-MA-ENROLL (1-877-623-6765).
Additional Resources
- Massachusetts Benefits Overview for a complete look at all available programs in the state
- Check your eligibility for MassHealth and other benefits programs with our free screening tool
- MassHealth official website for the latest program information
- Massachusetts Health Connector for marketplace health insurance options
Applying for MassHealth does not have to be complicated. With multiple ways to apply and free assistance available throughout the state, getting the health coverage you need is within reach. Start by checking your eligibility with our free benefits screener, then follow the steps above to submit your application today.
