Member Services: 877-514-2442

Good news! You may be eligible to receive or increase tax credit dollars which will lower your monthly premium. As a member-centered organization, Common Ground Healthcare Cooperative (CGHC) is proud to support the President’s COVID-19 Relief Bill. An important part of the COVID-19 Relief Bill, the American Rescue Plan (ARP), increases Advanced Premium Tax Credit (APTC) to more people to help make health insurance more affordable through 2022.

The American Rescue Plan and the savings it can offer to members is an extremely important initiative, and ALL MEMBERS should take action. As explained in Cathy Mahaffey’s video, members may be able to save thousands of dollars per year. However, this savings will not be applied to your account automatically.

If you enrolled in your plan through the Marketplace at, you can simply update your application. All members need to do is log into your application on, and follow these simple steps:

  • Click the “report a life change” option,
  • Click “change to my household’s income” (even if income has not changed),
  • Answer the questions posed in your application,
  • And select your current or a new CGHC plan to see the cost savings you can receive!

Use this step-by-step guide to assist you when updating your account!

If you did not enroll in your plan through the Marketplace at, you have an “off-exchange” plan. Members with an off-exchange plan must create an application online at to determine if you are eligible for tax credit dollars to lower your premium.

Make sure to take action to realize tax credit dollars before the end of the current Special Enrollment Period!

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