Illinois health plan · 2025

QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL · 85773IL0040044

Quartz Health Benefit Plans Corporation offers this marketplace health insurance plan (Plan ID 85773IL0040044) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Expanded Bronze Plan type: HMO CSR: Zero Cost Sharing Plan Variation Issuer: Quartz Health Benefit Plans Corporation
Telehealth Data pending HSA eligible No Dental Adult/Child Vision Adult/Child

CMS AV Calculator output: 100.00% (0.00% member share on average). Learn about AV methodology.

2025 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$402 – $1576

Before subsidies

Estimate after subsidies

Deductible

$0

$0 per group

See deductible details

Max out-of-pocket

$0

$0 per group

Review MOOP rules

Office visits

Primary care $0.00
Specialist $0.00
HSA Not eligible

Drug tiers

Generic $0.00
Preferred brand $0.00

View formulary tiers

$551 / mo before subsidies

≈ $6607 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1745 / mo before subsidies

≈ $20935 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$2113 / mo before subsidies

≈ $25355 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$1343 / mo before subsidies

≈ $16113 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

0.00%

Emergency Room Services

0.00%

Durable Medical Equipment

0.00%

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Enrollment guidance

Stay on top of 2025 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Illinois). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Zero Cost Sharing Plan Variation plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

0.00%

Emergency Room Services

0.00%

Durable Medical Equipment

0.00%

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 85773IL0040044
Coverage year 2025
State Illinois
Issuer Quartz Health Benefit Plans Corporation
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 85773IL0040044-02
Available variants

Standard Off Exchange Plan · 85773IL0040044-00

Standard On Exchange Plan · 85773IL0040044-01

Open to Indians below 300% FPL · 85773IL0040044-02

Open to Indians above 300% FPL · 85773IL0040044-03

Last plan update Fri, 25 Oct 2024 00:00 GMT
Last HealthPorta import Tue, 02 Dec 2025 06:13 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Illinois N/A
PCPs in Illinois N/A
Telehealth support Data pending
Nationwide providers N/A
Providers Illinois All US states
All N/A N/A
PCP N/A N/A
Allergy N/A N/A
OB/GYN N/A N/A
Dentists N/A N/A

Drug coverage overview

3,920 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
GENERIC 1,566
NON-PREFERRED 1,338
SPECIALTY 625
PREFERRED-BRAND 391
Prior authorization Drugs
Required 773
Not Required 3,147
Step therapy Drugs
Required 58
Not Required 3,862
Quantity limits Drugs
Has Limit 875
No Limit 3,045

Customer highlights

What stands out for members

  • Issuer: Quartz Health Benefit Plans Corporation · Plan ID 85773IL0040044 · 2025 filing.
  • Disease management programs available: Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 85773IL0040044-02 (Open to Indians below 300% FPL) currently displayed.
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Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

$0.00

Diabetes Education

0.00%

Home Health Care Services

0.00%

Laboratory Outpatient and Professional Services

0.00%

Other Practitioner Office Visit (Nurse, Physician Assistant)

$0.00

Preventive Care/Screening/Immunization

0.00%

Primary Care Visit to Treat an Injury or Illness

$0.00

Rehabilitative Occupational and Rehabilitative Physical Therapy

$0.00

Rehabilitative Speech Therapy

$0.00

Specialist Visit

$0.00

Urgent Care Centers or Facilities

$0.00

X-rays and Diagnostic Imaging

0.00%

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

0.00%

Delivery and All Inpatient Services for Maternity Care

0.00%

Dialysis

0.00%

Durable Medical Equipment

0.00%

Emergency Room Services

0.00%

Emergency Transportation/Ambulance

0.00%

Hospice Services

0.00%

Inpatient Hospital Services (e.g., Hospital Stay)

0.00%

Inpatient Physician and Surgical Services

0.00%

Mental/Behavioral Health Inpatient Services

0.00%

Mental/Behavioral Health Outpatient Services

$0.00

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

0.00%

Outpatient Rehabilitation Services

$0.00

Outpatient Surgery Physician/Surgical Services

0.00%

Radiation

0.00%

Skilled Nursing Facility

0.00%

Substance Abuse Disorder Inpatient Services

0.00%

Substance Abuse Disorder Outpatient Services

$0.00

Transplant

0.00%

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

0.00%

Hearing Aids

0.00%

Major Dental Care - Child

0.00%

Prenatal and Postnatal Care

$0.00

Routine Eye Exam for Children

$0.00

Well Baby Visits and Care

$0.00

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$0.00

Non-Preferred Brand Drugs

$0.00

Preferred Brand Drugs

$0.00

Specialty Drugs

$0.00

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

0.00%

Basic Dental Care - Adult

0.00%

Dental Check-Up for Children

$0.00

Infusion Therapy

0.00%

Major Dental Care - Adult

0.00%

Nutritional Counseling

$0.00

Orthodontia - Adult

Coverage details pending

Orthodontia - Child

0.00%

Prosthetic Devices

0.00%

Routine Dental Services (Adult)

$0.00

Weight Loss Programs

Coverage details pending

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

0.00%

Acupuncture

0.00%

Allergy Testing

0.00%

Bariatric Surgery

0.00%

Cosmetic Surgery

0.00%

Eye Glasses for Children

0.00%

Gender Affirming Care

0.00%

Habilitation Services

$0.00

Imaging (CT/PET Scans, MRIs)

0.00%

Infertility Treatment

0.00%

Long-Term/Custodial Nursing Home Care

Coverage details pending

Private-Duty Nursing

0.00%

Reconstructive Surgery

0.00%

Routine Eye Exam (Adult)

$0.00

Routine Foot Care

0.00%

Treatment for Temporomandibular Joint Disorders

0.00%

Virtual Visit

$0.00

Variant attributes

QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL · Variant 85773IL0040044-02

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2025

CSR Variation Type

Zero Cost Sharing Plan Variation

HIOS Product ID

85773IL004

Metal Level

Expanded Bronze

Plan ID (Standard Component ID with Variant)

85773IL0040044-02

Plan Marketing Name

QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL

Plan Variant Marketing Name

QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING ZERO COST SHARE - IL

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

85773

Issuer Marketplace Marketing Name

Quartz

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

No

Network ID

ILN001

Out of Country Coverage

Yes

Out of Country Coverage Description

Foreign claims for emergency care are subject to a maximum benefit of $20,000 per benefit year.

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

Emergency Room, Limited Coverage for Out of Area Student with approved Prior Authorization

Service Area ID

ILS001

State Code

IL

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

AV Calculator Output Number

1.0

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

Yes

Medical Drug Maximum Out of Pocket Integrated

Yes

SBC Scenario, Having a Baby, Coinsurance

$0

SBC Scenario, Having a Baby, Copayment

$0

SBC Scenario, Having a Baby, Deductible

$0

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$0

SBC Scenario, Having Diabetes, Deductible

$0

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$0

SBC Scenario, Treatment of a Simple Fracture, Deductible

$0

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

0.00%

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$0 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$0 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$0

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

Not Applicable

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

ILF017

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$0

SBC Scenario, Having Diabetes, Limit

$0

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

No

Design Type

Design 1

Disease Management Programs Offered

Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pregnancy

EHB Percent of Total Premium

0.9708

First Tier Utilization

100%

Import Date

2024-10-25 20:01:38

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

No

New/Existing Plan

New

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

Yes

Plan Effective Date

2025-01-01

Plan Expiration Date

2025-12-31

Plan Type

HMO

QHP/Non QHP

Both

Source Name

SERFF

Specialist Requiring a Referral

Except for in-network care for behavioral health and substance use disorder services, you need to obtain a referral or standing referral from your Primary Care Provider before you obtain specialty care.

Plan ID

85773IL0040044

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group

$0 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person

$0 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual

$0

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group

per group not applicable

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person

per person not applicable

Combined Medical and Drug EHB Deductible, Out of Network, Individual

Not Applicable

Unique Plan Design

No

Wellness Program Offered

No

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Illinois?

QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL (85773IL0040044) is a Expanded Bronze HMO from Quartz Health Benefit Plans Corporation in Illinois for the 2025 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL HSA-eligible and does it include dental or vision coverage?

It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.

Dental add-ons: Adult, Child.

Vision add-ons: Adult, Child.

Does QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL?

The issuer lists disease management resources for: Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pregnancy.

Is there out-of-country coverage for QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL?

Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: Foreign claims for emergency care are subject to a maximum benefit of $20,000 per benefit year.

Does QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Emergency Room, Limited Coverage for Out of Area Student with approved Prior Authorization

How do I enroll in or manage payments for QUARTZ ONE ACHIEVE BRONZE (DENTAL & VISION) STANDARD EASY PRICING - IL?

Use the issuer portal https://hixenroll.quartzbenefits.com to pay premiums or start enrollment, then return to HealthPorta for benefit comparisons.

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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