While the classic HIRD (Health Insurance Responsibility Disclosure) form is a thing of the past, 2018 marks the first year that Massachusetts has decided to collect employer-level information about health insurance. The new HIRD form must be completed by November 30, 2018. Unlike the almost painful HIRD process of the past, this year, every employer in Massachusetts with six or more employees in any month in the 12 months prior to November 30, 2018 must complete the employer HIRD form. 

So, what’s the difference between now and then? Unlike the clunky, separate employer and employee signed forms, the 2018 form does not contain any personal information about your employees and is solely used to inform MassHealth about employers’ insurance offerings. The form is completed online through the MassTaxConnect (MTC) portal. This is where employer-taxpayers register to file returns, forms, and make tax payments. To file the HIRD form, employers should:

  1. Go to https://mtc.dor.state.ma.us/mtc/_/
  2. Login to your MTC withholding account
    • If you don’t have an account, you’ll need to select “Create my Username” and set up an account
  3. Select “File health insurance responsibility disclosure” under the account alerts
  4. Complete and Submit the HIRD form

What information do you need to complete the form? It should all be information that your HR team has on file, such as employee monthly contributions, in-network deductible, and in-network out-of-pocket maximum. It will also ask for items such as eligibility, waiting periods, plan year, and the total monthly cost of the plan.

It is possible that payroll companies may file the HIRD form on an employer’s behalf, however, it is ultimately the employer’s responsibility to ensure it gets completed. Employer’s should work with their payroll vendor to confirm who should complete the form.

The good news? Although the form is required, there is no employee personal information of any kind that employers need to worry about. Also, there is no direct fine or penalty related to completing your HIRD form (although, it is still STRONGLY recommended that employers do it, as it is an official state requirement).

Questions? Reach out to your Assurance representative.

Information contained herein is not intended to constitute tax or legal advice and should not be used for purposes of evading or avoiding otherwise applicable regulatory responsibilities as issued by the federal or state government(s) and/or taxes owed under the Internal Revenue Code. You are encouraged to seek advice from your legal or tax advisor based on your circumstances.