Choose font size

Breathe a Sigh of Relief

Act Now!

Background Image: SEP image

SPECIAL ENROLLMENT PERIOD

Wisconsin and Illinois: Enroll through August 15


Take advantage of the American Rescue Plan Act (ARPA)

The ARPA of 2021 (signed into law on March 11) lowers the costs of health insurance for individual consumers. Due to the pandemic, a Special Enrollment Period 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 how you can apply your savings

  • Use the tax credits to lower your monthly premium costs.
  • Choose a plan that offers lower cost-sharing (copays, deductible, coinsurance).



Next steps to claim your savings

No health insurance right now?

Enroll in Marketplace coverage. Even if you’ve applied before, your premiums may now be much lower thanks to federal subsidies.


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 here:


Key Dates*

Key dates for special enrollment

April 1

Additional tax credits available to claim on HealthCare.gov.

April 14

Attend the Quartz live webinar on the ARPA and SEP. Register to get your questions answered and find out how you can save!

August 15

Special open enrollment ends in Wisconsin and Illinois.

Update your information on HealthCare.gov and claim your savings at the start of the next month!

*Enrollment dates and coverage effective dates are set by the Marketplace.


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 how much you pay towards your current monthly premiums.
  • Switch to a higher-value plan that offers lower cost-sharing (copays, deductible, coinsurance).

We can help you find your savings



How to reach out


We're here for you! Quartz can help you find your savings!

Webinar:

American Rescue Plan Act for Individual Consumers in WI and IL 

Missed our live event? Watch for the on-demand version coming soon!

Learn how the American Rescue Plan Act enables people to save on health insurance, providing tax credits to lower their costs.


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 HealthCare.gov 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 HealthCare.gov. 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.  

    Background
    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.

Resource

CMS Fact Sheet


Questions?

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)

Minnesota residents get more information here.