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Bill

S 908

An Act establishing a healthcare insurance premium payment pool for working families

194th Legislature (2025-2026) Introduced by Bruce Tarr

Massachusetts bill creates insurance premium payment pool to help working families afford health coverage through pooled resource distribution.

Hearing scheduled for 06/18/2025 from 11:00 AM-03:00 PM in Gardner Auditorium
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Bill Summary · S 908

Legislative bill overview

S 908 proposes creating a healthcare insurance premium payment pool designed to assist working families in Massachusetts with the costs of health insurance premiums. The bill establishes a mechanism to pool resources and distribute them to eligible working families to reduce their out-of-pocket insurance expenses. This addresses affordability challenges for middle-income workers who may struggle with premium costs.

Why is this important

Healthcare affordability remains a significant barrier to coverage for many working families, particularly those earning too much to qualify for traditional public assistance but insufficient to comfortably cover premiums. Such a pool could reduce coverage gaps and improve health outcomes by making insurance more accessible. The proposal directly impacts workforce stability and family financial security across Massachusetts.

Potential points of contention

  • Funding mechanism and sustainability: Unclear how the pool would be financed (employer contributions, state funding, insurance market fees, or general revenue) and whether funding would be stable long-term
  • Eligibility definitions and fairness: Questions about income thresholds, family size calculations, and how "working families" are defined could create equity concerns and administrative complexity
  • Interaction with existing programs: Potential overlap or conflicts with the Affordable Care Act marketplace, employer coverage requirements, and Massachusetts' existing health programs may require clarification

Compiled from official sources — confirm details with the bill’s official record.

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