As a summary, this guide will not answer every question for every person in every circumstance.  In addition, it is not a substitute for legal advice.  If you have more questions, contact the agencies listed below or consult an attorney.

For questions about:
Individual health insurance
Fully insured group health insurance
State continuation coverage
Conversion coverage
Contact:
Massachusetts Division of Insurance
            (617) 521-7777 (Boston)
            (413) 785-5526 (Springfield)
            (617) 521-7490 (TTY/TTD)
            http://www.mass.gov/doi/

For questions about:
The Commonwealth Connector
Contact:
The Commonwealth Connector 
           (877) MA-ENROLL (623-6765)
                                  http://www.mahealthconnector.org/

For questions about:
Self-insured group health plans
COBRA continuation coverage
Family and Medical Leave Act
Contact:
U.S. Department of Labor
Employee Benefits Administrator
Employee & Employer Assistance Hotline and Publications
         (866) 444-EBSA (3272)
          http://www.dol.gov/ebsa          

For questions about:
MassHealth 
Contact:
Office of Health and Human Services of Massachusetts
            (617) 628-4141
            (800) 841-2900
            http://www.mass.gov/portal/index.jsp?pageID%
9=eohhs2agencylanding&L=4&L0=Home&L1%=Government&L2=Departments+and+Divisions&L3=MassHealth&sid=Eeohhs2

For questions about:
Children’s Medical Security Plan (CMSP)
Contact:Massachusetts Department of Public Health
           (800) 909-2677 (CMSP)
            (888) 665-9993 (MassHealth Enrollment Center)
            http://www.cmspkids.com/

For questions about:
Medical Security Plan (MSP)
Contact:
Massachusetts Division of Employment and Training
            (800) 914-4455
            (617) 956-3801 (TTY/TDD)
            http://www.detma.org/WSmsp.htm

For questions about:
Breast and Cervical Cancer Screening (and Treatment) Program
Contact:
Women’s Health Network
            (877) 414-4447
            (617) 624-5992 (TTY)
            http://mass.gov/dph/fch/whn/index.htm

For questions about:
Commonwealth Care
Contact:
The Commonwealth Connector 
           (877) MA-ENROLL (623-6765)  
                 https://www.macommonwealthcare.com/goalmind/login/external/intro.jsp

For questions about:
The Federal Health Coverage Tax Credit (HCTC)
Contact:
Internal Revenue Service (IRS)
            (866) 628-HCTC
            http://www.irs.gov/individuals/index.html
            (Click on HCTC); or call HCTC customer  service center

Finally, if you would like to obtain a consumer guide for a different state, visit the web at

http://www.healthinsuranceinfo.net/