Individuals who make less than 400% of the FPL may qualify for Advance Premium Tax Credits (APTC). Unlike tax credits you claim when you file your taxes, these tax credits can be used right away to lower your monthly premium costs. If you qualify, you may choose how much advance credit payments to apply to your premiums each month, up to a maximum amount. If the amount of advance credit payments you get for the year is less than the tax credit you're due, you'll get the difference as a refundable credit when you file your federal income tax return. If your advance payments for the year are more than the amount of your credit, you must repay the excess advance payments with your tax return.
Individuals who make less than 250% of the FPL may qualify for cost share reductions (CSRs). CSRs help with out-of-pocket costs. If you qualify, you can get the out-of-pocket costs of a Gold or Platinum plan for a Silver plan price.
Additional Help to Make Health Insurance Affordable
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Quartz Health Solutions, Inc., Unity Health Plans Insurance Corporation, Gundersen Health Plan, Inc., Gundersen Health System, and UW Health are separate legal entities.
Unity Health Insurance is a Qualified Health Plan issuer in the Health Insurance marketplace. For assistance in a language other than English, call 800.362.3310 and the Customer Service representative will get you help in the language you need. TTY users should call 711 / 800.877.8973. Unity Health Insurance does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.