American Rescue Plan

The American Rescue Plan provides increased health insurance premium assistance for Pennsylvanians who get their individual coverage through the state’s health insurance exchange known as Pennie. You may therefore be able to receive premium subsidies in the form of an advance premium tax credit (APTC) even if you were previously ineligible.

Check out the savings calculator made available by the Kaiser Family Foundation to find out how much financial help you may qualify for under the American Rescue Plan. You can also call us at 833.201.8243 on weekdays from 8:00 AM - 5:00 PM EST and one of our team members can help determine if you’re eligible for these new savings.

You can also walk-in or schedule an appointment at one our Capital BlueCross Connect health and wellness centers.

Looking for information on the health plans we offer in your area? Visit our 2021 Plans page for details.

American Rescue Plan FAQ

What is the American Rescue Plan?

The American Rescue Plan Act of 2021 (ARPA) provides $1.9 trillion in funding to address the COVID-19 pandemic, support the U.S. economy, and provide relief for impacted Americans.

Among other things, ARPA provides increased health insurance premium assistance for Pennsylvanians who get their individual coverage through the state’s health insurance exchange known as Pennie™. You may therefore be able to receive premium subsidies in the form of an advance premium tax credit (APTC) even if you were previously ineligible.

  • Those whose household income is less than 150% of the federal poverty level are eligible for no-premium coverage.
  • Those with household incomes up to 400% of the federal poverty level are entitled to increased premium assistance.
  • No family will spend more than 8.5% of their household income on their monthly health insurance premium.
  • Individuals receiving unemployment benefits in 2021 may be entitled to increased premium assistance.

How do I find out if I qualify for a premium subsidy?

The amount of premium assistance is based on your yearly household income and the number of people in your household.

Check out the savings calculator made available by the Kaiser Family Foundation to find out how much financial help you qualify for under the American Rescue Plan. You can also call us at 833.201.8243 on weekdays from 8:00 AM - 5:00 PM EST and one of our team members can help determine if you’re eligible for these new savings.

Will the American Rescue Plan affect everyone the same way?

No. Not everyone will qualify for the same amount of advance premium tax credits (APTC) to lower the cost of coverage, although most people will experience savings. The amount of financial assistance is determined by the cost of the second lowest cost silver plan (or benchmark plan) in their area, their age, the number of people in their household, as well as their income.

Do I have to enroll in a specific plan to get lower premiums under the American Rescue Plan?

No, you can enroll in any plan – bronze, silver, or gold – and apply the amount of your premium subsidy to the plan of your choice.

How long will my premiums remain lower due to the American Rescue Plan?

ARPA expands premium subsidies for two years (2021 and 2022).

Do I still have to pay my full premium despite possible changes under the American Rescue Plan?

Until your account is updated, please pay your plan premiums based on your current subsidy eligibility, as billed on your monthly statement. Once your new subsidy is applied, your premium statement will show the new amount you owe.

Does eligibility for unemployment insurance (unemployment compensation) under the American Rescue Plan impact eligibility for Medical Assistance or the Children’s Health Insurance Program (CHIP)?

No. There is nothing in the American Rescue Plan that changes eligibility for other programs including Medicare, Medical Assistance (or Medicaid), or the Children’s Health Insurance Program (CHIP). This provision impacts eligibility for advance premium tax credits (APTC) and cost sharing reductions (CSR) only. Those currently eligible for Medicaid/CHIP will remain in those programs. Those who are not, including dependent children, will not gain eligibility for these programs as a result of the American Rescue Plan.