Failure to Connect: The Massachusetts Plan for Individual Health Insurance

30 Pages Posted: 30 Jan 2007 Last revised: 2 Oct 2015

See all articles by Elizabeth Weeks

Elizabeth Weeks

University of Georgia School of Law


This Article briefly describes the key features of the Massachusetts Health Care Reform Act, focusing particularly on the Connector. It then offers preliminary thoughts on the expected effect of that mechanism for creating quality, affordable health insurance products for individuals. Observers anticipate that commercial insurers will offer scant coverage and high-premium, high-deductible plans through the Connector, which coverage ultimately may be neither more affordable than products currently or more helpful to covering the cost of health care than no coverage at all. If the Connector fails to facilitate the individual insurance mandate, Massachusetts's promise of universal coverage may begin to unravel. Moreover, its usefulness as a model for other states proposing or considering similar risk-pooling mechanisms will be greatly diminished.

Keywords: State Health Insurance Reform, Massachusetts Plan, Universal Coverage

JEL Classification: H41, H71, I11, I18, I38, K32

Suggested Citation

Leonard, Elizabeth, Failure to Connect: The Massachusetts Plan for Individual Health Insurance. Kansas Law Review, Vol. 55, Fall 2007 (Symposium on The Massachusetts Plan and the Future of Universal Coverage). Available at SSRN:

Elizabeth Leonard (Contact Author)

University of Georgia School of Law ( email )

225 Herty Drive
Athens, GA 30602
United States


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