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Breathe a Sigh of Relief

Act Now!

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Wisconsin and Illinois: Enroll through August 15

Minnesota Residents: Learn more here

Take advantage of the American Rescue Plan Act (ARPA)

The ARPA of 2021 (signed into law on March 11) lowers health insurance costs for individual consumers. Due to the pandemic, a Special Enrollment Period (SEP) is available now through mid-August with no qualifying event required.

You may be eligible for new savings because the law:

  • Increases tax credits for people who purchase their own health insurance through the Marketplace.
  • Expands tax credit eligibility for households who previously may not have been eligible.

Here's what you can do during this SEP:

  • Sign up to get yourself, and your family covered, even if you applied before.
  • Use the tax credits to lower your monthly premium costs.
  • Choose a plan that offers lower cost-sharing (copays, deductible, coinsurance).
  • Get a quote and see how much you can save.


On-demand webinar: American Rescue Plan Act

Don’t miss this chance to save on health insurance premiums. Thanks to the American Rescue Plan Act, you can begin saving as soon as the first of next month.

Watch our webinar and we’ll show you the steps you need to take. In just 15 minutes you’ll know what you need to do next and why you need to act fast.

 After the webinar you’ll know how to:

  • See what your new tax credits and savings might look like
  • Use the savings to make a health plan more affordable

Let us guide you through the process

Not a current Quartz member?

  • Give us a call: (800) 926-8227
  • Email us: and let one of our reps help you get a quote
  • Reach out to an agent you have worked with previously

Current Quartz member?

Next steps to claim your savings

No health insurance right now?

Enroll in Marketplace coverage. Even if you’ve shopped before shop again. Your monthly premiums may now be much lower thanks to federal subsidies. Get a quote at

Enrolled in Marketplace coverage?

Individuals and families enrolled in Marketplace coverage are now eligible for additional tax credits. These could reduce how much you pay toward your monthly premiums as early as the first of the month following your application update. Update your application at

Covered directly by Quartz?

We encourage you to explore your coverage options on the Marketplace because you may now be eligible for tax credits to lower your monthly premium. The sooner you act, the sooner the savings begin. Explore your savings options at

American Rescue Plan Act: Frequently Asked Questions

  • What is one of the biggest changes for ACA coverage that is included in ARPA?
    One of the biggest changes is the impact to subsidies. The ARPA provides subsidies to individuals who were previously not eligible (above 400% Federal Poverty Level [FPL]). It also increases subsidies for current Affordable Care Act (ACA) members at different levels of the FPL.
  • Are these subsidy changes permanent?

    No. The provisions to increase and expand subsidies will be in place for the 2021 and  2022 benefit years. After that, it will be up to Congress whether to make these changes permanent.

  • Why am I being encouraged to shop again if I'm already enrolled?
    Members may be eligible for greater premium tax credits. Members can use these savings to reduce the amount they have to pay for their monthly premium on their current plan, or to buy a plan with lower out-of-pocket cost sharing.
  • I didn't quality for tax credits when I enrolled/shopped before. Could that be different now?
    Yes, with the passage of APRA, an individual may now qualify to receive premium tax credits. Visit starting April 1, 2021 to see if you now qualify for premium tax credits through the Marketplace.
  • If I select a new plan, when does that change take effect?
    An individual can update their application and reselect their current plan or select a new plan with additional premium tax credits starting on April 1, 2021. It’s important to note that this will be a prospective change. For example, if an individual selects a new plan or reselects their current plan between April 1 and April 30, the new premium tax credits start May 1.
  • If I switch plans, will what I’ve paid towards my accumulators, such as deductibles and maximum-out-of-pocket, be applied toward my new plan?

    In some cases.

    Examples where accumulators transfer:

    • If an individual switches from a Quartz off-exchange plan to a Quartz on-exchange plan. 
    • If an individual goes from a Quartz on-exchange plan to a new Quartz on-exchange plan.

    Note: if a member is moving from a non-HSA to an HSA plan, Quartz only credits deductible paid.

    Examples where accumulators don’t transfer:

    • If an individual switches from a Quartz on-exchange plan to a Quartz off-exchange plan.
    • If an individual switches from Quartz coverage within another line of business (eg. Employer Coverage) to a Quartz on-exchange plan.
    • If an individual is coming from another insurance carrier.

    Please note this is a limited time policy and that the accumulators will only carry over for plans with effective dates from April 1, 2021 through October 1, 2021 when a current member moves from an off-exchange to an on-exchange plan.

  • I am enrolled in an on-exchange plan. What happens if I don’t act this year?
    First, consumers can make plan changes during the Marketplace Special Enrollment Period from now until August 15 in Wisconsin and Illinois. If the member does not take action to update their account with the Marketplace, the plan and premium will stay the same for the remainder of 2021. If that is the case, an individual will have the opportunity to access the additional tax credits when they reconcile their tax credits used as part of their 2021 tax return.
  • How do I estimate and/or change my estimated income on file with the Marketplace?
  • How do I know how much APTC I’m eligible for?
    To determine your estimated APTC visit Browse plans and then fill out an application with the Health Insurance Marketplace. Providing your household size and income information will provide a true determination on the APTC amount you’re eligible for.
  • Are there changes for consumers receiving unemployment benefits?
    According to CMS, this change will NOT be implemented on April 1, 2021 but will be available later this summer. Please check back for more information at that time.  

    For 2021, if an individual receives unemployment for at least one week, they will be treated as if they have an income of 133% of the FPL for the purpose of determining APTC and cost-sharing eligibility. This would allow individuals to access “$0 premium coverage” and the most generous cost-sharing reductions to lower deductible and out-of-pocket costs. 

    Keep in mind, although the phrase “$0 Premium” is being used by CMS, there is a good chance that the consumer will still need to pay a little each month toward their premium due to APTC only being applicable to the percentage of the plan that covers Essential Health Benefits (EHBs) as Quartz offers benefits that are outside of the EHBs.


CMS Fact Sheet


Get in touch with Quartz Customer Service by sending a secured message through MyChart.

Or contact Customer Service at (800) 362-3310 or (TTY 711)