In Massachusetts, Celticare offers two main health insurance programs. They are called Careplus and Ambetter. One is a "marketplace plan" in the language of the federal Affordable Care Care (a.k.a. Obamacare) and the other is not. However, both programs meet the definition of having individual health insurance for purposes of avoiding federal (and state) tax penalties. Please allow us to explain.
If you have a Celticare / Careplus plan, you would answer in TurboTax "no" you don't have a marketplace plan, but "yes," you do have health insurance coverage under a valid plan (other examples of valid plans are employer-provide insurance, Medicaid, Medicare, Veterans Administration Benefits, etc.).
But if you have a Celticare / Ambetter plan, which is one that you would have shopped for and purchased through the Massachusetts Health Care Connector website:
https://www.mahealthconnector.org/
then you should be receiving (or have received already) a tax document known as a Form 1095-A (but not Form 1095-B, or Form 1095-C which if you get one of these two you can ignore). With a Form 1095-A, you do need to answer "yes" to the marketplace plan question in TurboTax.
If you do that, and if this pathway applies to you, then you would be prompted to fill out further details using the numbers and data from your Form 1095-A.
Otherwise, as described above, answer the TurboTax questions in such a way as to indicate that "yes" you had health insurance sufficient to avoid a tax penalty, but "no" you didn't have a marketplace plan (a "marketplace plan" has a specific meaning, and use, but only with tax Form 1095-A).
Thank you for asking this question.
