Loss of Coverage

Let us help you choose from individual and family plan health insurance options to meet your needs and budget.

You may be eligible for federal subsidies to offset costs.

The Marketplace offers plans with reduced member cost-sharing to individuals with incomes below $31,900 or a family of four that earns less than $65,500. Individuals earning between $12,760 and $51,040, or a family of four with a household income between $26,200 and $104,800, may qualify for an Advanced Premium Tax Credit (APTC) to lower the premium. (APTCs and plans with reduced cost-sharing are only available through the Marketplace.)

You can even enroll family members in different plans.

For example, enroll children in a Child-Only policy on a Gold plan, and save premiums by enrolling adults in a Bronze plan.

To avoid a gap, enroll before your other health insurance coverage ends

  • Applications completed on or before the date of the loss of coverage result in an effective date of the 1st of the month following the loss of coverage. Applications completed after the loss of coverage result in an effective date of 1st of the month following the date you apply.
  • You can enroll in a Quartz plan and see what federal subsidies you qualify for by completing a Marketplace application at

Need help understanding your health insurance options? Fill out this form and a Quartz rep will be in touch. You can also call us at 800-926-8227 or visit

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