If you did not receive a 1099-HC, you can find out by reading the details of your plan on the Internet. Since you did not receive a 1099-HC, please enter the information from your insurance card on the screen, Tell us about your private health insurance.
Minimum creditable coverage (MCC) is the level of health insurance Massachusetts requires for full-year and some part-year adult residents.
The 2021 minimum creditable standards include all of the following for most plans:
- Coverage for a comprehensive set of services (for example: doctor visits, hospital admissions, day surgery, emergency services, mental health and substance abuse, and prescription drug coverage)
- Doctor visits for preventive care, without a deductible
- A cap on annual deductibles of $2,700 for an individual and $5,400 for a family
- For plans with up-front deductibles or co-insurance on core services, an annual maximum on out-of-pocket spending of no more than $8,550 for an individual and $17,100 for a family
- No caps on total benefits for a particular illness or for a single year
- No policy that covers only a fixed dollar amount per day or stay in the hospital, with the patient responsible for all other charges
- For policies that have a separate prescription drug deductible, it cannot exceed $330 for an individual or $660 for a family
- All services must be provided to all of those covered (for example, a plan that covers dependents must extend maternity services to them)
- No cap on prescription drug benefits
If your plan meets the above qualifications, then you meet Minimum creditable coverage (MCC) and will not be subject to a penalty. As you are going through your state return, mark off that you have met minimum creditable coverage.
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