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Health Care Training Forum

The American Rescue Plan was signed into law on March 11, 2021

March 19, 2021

The American Rescue Plan includes significant coverage and affordability expansions for ACA Marketplaces in addition to a third round of stimulus payments, the extension of certain unemployment benefits, and many other helpful provisions.

In Massachusetts, that means ConnectorCare members, members receiving APTCs-only and some members with incomes beyond 400 percent of the federal poverty level (FPL) will see premium reductions. The American Rescue Plan eliminates the subsidy cliff so that subsidies no longer end at 400 percent of the FPL, and there is no upper income limit for receiving APTCs. This means that any individual who purchases coverage through the Health Connector will now be eligible to access APTCs if their annual premium exceeds 8.5 percent of their annual household income and they do not have access to other coverage.

Member Messaging

Later this week, many Health Connector members will begin receiving email communications about these upcoming changes. They will explain that the American Rescue Plan allows them to now qualify for more monthly tax credit savings to help lower monthly health insurance bills. Many people may see lower premiums in May.

Important: Members don’t need to take any action to qualify for these savings. The Health Connector is working to make these updates in tax credits for them automatically. However, this is a good time to work with members to update their information if anything has changed since they last applied. Remember, if their income has since gone down, they may now qualify for more tax credits and therefore lower premiums.

Learn More

The Health Connector realizes that you may have more questions about these changes. To learn more about what the American Rescue Plan changes will mean for Health Connector members and how you can help explain them to members, attend one of the upcoming Health Connector MTF webinars. Registration will be available soon.

Additional Resources:

• Visit the new Health Connector webpage for FAQs and other helpful information about the American Rescue Plan: https://www.mahealthconnector.org/americanrescueplan