Quartz

What Quartz does

Quartz is a provider-sponsored health insurance company headquartered in Fitchburg (Madison), Wisconsin, with a second office in Onalaska, Wisconsin. It is structured through four legal entities (Quartz Health Benefit Plans Corporation, Quartz Health Plan Corporation, Quartz Health Plan MN Corporation, and Quartz Health Insurance Corporation) and is sponsored and backed by four major Midwestern health systems: UW Health, Gundersen Health (Emplify Health by Gundersen), Advocate Aurora Health, and UnityPoint Health. The company employs 501–1,000 people and serves members across Wisconsin, Minnesota, Illinois, and Iowa.

Quartz operates a diversified health-plan portfolio across four primary segments: Individual & Family plans (sold via Healthcare.gov, MNSure, and direct), Medicare Advantage HMO plans (including Dual Eligible Special Needs Plans, with 25+ years of Medicare Advantage operating history), Wisconsin Medicaid managed care (BadgerCare Plus and Medicaid SSI, serving over 36,000 members), and Group & Employer plans (fully insured, level-funded, and self-funded via the Quartz Align platform). Members access benefits through the Quartz MyChart portal, integrated QuartzRx pharmacy tools, Find a Doctor provider search (powered by Healthsparq), the Virtual First $0-copay telehealth benefit, and Quartz Well wellness programs. Group and self-funded employers use the MyCreate Health portal and CareConnect HQ.

Quartz generates revenue through monthly health-insurance premiums across all four product lines, with quote-based pricing for employer groups and standardized pricing for individual and Medicare products (Medicare Advantage plans start at $0/month, D-SNP plans at $0/month for dual-eligibles, and Individual & Family plans with APTC/CSR subsidies via the marketplaces). Distribution is multi-channel: direct consumer enrollment, Healthcare.gov and MNSure marketplace listings, a dedicated agent/broker network with the MyPlanTools portal, employer-group sales, state Medicaid administration, and the State of Wisconsin Group Health Insurance Program anchor contract. The provider-sponsored ownership model — with no PE, VC, or public shareholders — aligns plan economics with regional care delivery and is the central feature of Quartz's value proposition.

Name

Quartz

Legal name

Quartz Health Benefit Plans Corporation

Website

https://quartzbenefits.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Quartz is a Wisconsin-based, provider-sponsored health insurance company serving Individual, Medicare, Medicaid, and Group/Employer markets across four Midwestern states, backed by four major regional health systems and offering integrated member portals, telehealth, and self-funded employer administration.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Health and Welfare Funds (525120)

SIC

Services-Health Services (8000)

akta.pro primary industry

TANF/CHIP Managed Care Plans (HLAEAEAA)

Keywords

• Health insurance plans
• Medicare Advantage plans
• Medicaid managed care
• Employer health benefits
• Self-funded administration

Headquarters

HQ city

Madison

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums: Collection of monthly premiums from Individual & Family plan subscribers, Medicare Advantage members, Medicaid managed care enrollees, and Group/Employer plan participants. Premiums vary by plan type, coverage level, and member demographics.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Quartz is a provider-sponsored health insurance company that underwrites and administers a full spectrum of health plans for individuals, families, Medicare beneficiaries, Medicaid enrollees, and employer groups across the Midwest. Its core offerings include Individual & Family Marketplace plans, Medicare Advantage HMO and Dual Eligible Special Needs Plans, Wisconsin Medicaid (BadgerCare Plus and Medicaid SSI), Group/Employer fully insured and level-funded plans, and the Quartz Align self-funded administration platform, all delivered through an integrated digital member portal and backed by four major health system sponsors.

Product overview

Quartz is a provider-owned health insurance company offering a portfolio of health plans across multiple product lines. The core offerings include Individual & Family Plans (Marketplace and off-exchange), Medicare Advantage plans (including Dual Eligible Special Needs Plans), Medicaid/BadgerCare Plus, and Group & Employer Plans. These are supplemented by add-on programs including Medicare Supplement and Medicare Select, the Quartz Align self-funded administration platform, and wellness programs under the Quartz Well brand. Members access services through the Quartz MyChart portal (with integrated QuartzRx pharmacy benefits), while providers, agents, and employers use dedicated portals (My Quartz Tools, MyPlanTools, and MyCreate Health respectively). Virtual care is delivered through integration with third-party platforms including UW Health Care Anywhere, Gundersen VirtualVisit, and Advocate Aurora Health's LiveWell.

Differentiator

Problem solved

Functional benefit

Brands

• Quartz MyChart: Member portal for accessing benefit information, claim details, pharmacy, and secure messaging.
• Quartz Well
• Quartz Align
• Quartz Medicare Advantage
• Quartz Rx
• Quartz Champion

Products and services

• Individual & Family Plans Health insurance plans for individuals and families available direct or through Marketplace exchanges (Healthcare.gov, MNSure), offered in Gold, Silver, and Bronze tiers with options for dental, vision, $0 Virtual First telehealth, and HSA-compatible plans.
• Medicare Advantage (HMO) Medicare Advantage HMO plans combining Parts A, B, and usually Part D prescription drug coverage, starting at $0/month with extra benefits such as dental, vision, hearing aids, and Quartz Champion personalized local support; available to seniors 65+ and those eligible due to disability.
• Dual Eligible with Rx (D-SNP) Medicare Advantage Special Needs Plan for individuals eligible for both Medicare and Medicaid, with $0 monthly premium, $0 copay for doctor visits, $3,000/year dental benefit, $3,000 every two years for hearing aids, and quarterly allowances for groceries and utilities.
• BadgerCare Plus & Medicaid SSI Wisconsin Medicaid managed care plans serving over 36,000 members, covering families and children (BadgerCare Plus) and elderly/disabled individuals (Medicaid SSI) with access to local providers and whole-person support services.
• Group & Employer Health Plans Health insurance plans for businesses of all sizes in Wisconsin, Minnesota, Illinois, and Iowa, offered as fully insured, level-funded, or self-funded (Quartz Align) coverage with customizable benefits and dedicated sales/account support.
• Quartz Align (Self-Funded Administration) Self-funded health plan administration platform for self-insured employers, including the MyCreate Health portal for members and employers, claims management through Magnacare, and customizable benefit administration with real-time claims visibility.
• Medicare Supplement (Medigap) Medigap insurance that supplements Original Medicare by covering out-of-pocket costs such as deductibles, copayments, and coinsurance, allowing freedom to choose any Medicare-participating provider.
• Medicare Select Medicare Advantage plans designed to work with Original Medicare, covering certain charges Medicare does not pay, requiring commitment to Quartz's local provider networks.
• Quartz Well Health and wellness program providing members with tools, resources, and programs supporting physical, mental, and social well-being, including disease management, pregnancy support, mental health resources, and rewards for healthy behaviors.

Quantifiable outcome

• Over 36,000 BadgerCare Plus and Medicaid SSI members served in Wisconsin
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• UW HealthcoreStrategic or Co-development PartnerMajor health system sponsor and network provider. UW Health operates throughout Wisconsin with major academic medical center in Madison. Provides primary care, specialty, and hospital services to Quartz members.
• Emplify Health by Gundersen (Gundersen Health System)coreStrategic or Co-development PartnerHealth system sponsor and network provider operating in western Wisconsin, including La Crosse. Provides integrated healthcare services and sponsors Quartz Dual Eligible plans in La Crosse County.
• Advocate Aurora HealthcoreStrategic or Co-development PartnerMajor health system sponsor and network provider. Advocate Aurora operates across Wisconsin and Illinois, providing comprehensive hospital and clinic services to Quartz members.
• UnityPoint HealthcoreStrategic or Co-development PartnerHealth system sponsor and network provider with facilities in Iowa, Wisconsin, and Illinois. Offers primary and specialty care services through regional clinic and hospital network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Blue Cross Blue Shield of Wisconsin: Blue Cross Blue Shield of Wisconsin is the incumbent statewide Blue plan offering commercial, Medicare, and individual plans. Competes with Quartz across most product lines but with significantly broader scale and national network reciprocity.
• UnitedHealthcare: UnitedHealthcare is the largest US health insurer competing with Quartz across Medicare Advantage, Medicaid (via UnitedHealthcare Community & State), individual ACA marketplace, and large group segments in Wisconsin, Minnesota, Illinois, and Iowa.

Direct peers

• Medica: Medica is a Minnesota-based non-profit health plan offering commercial, Medicare, Medicaid, and individual plans across the Midwest. Directly comparable to Quartz as a regional, multi-product, multi-state carrier focused on Medicaid and individual markets in adjacent geographies.
• HealthPartners: HealthPartners is a Minnesota-based, provider-sponsored health plan and care delivery organization offering commercial, Medicare, Medicaid (including MSHO), and self-funded employer plans. Comparable to Quartz given the integrated payer-provider model and multi-state Midwest presence.
• Network Health: Network Health is a Wisconsin-based, provider-sponsored health plan affiliated with Froedtert and the Medical College of Wisconsin, offering individual, Medicare, and employer plans in the same geographies as Quartz.
• Aspirus Health Plan: Aspirus Health Plan is a Wisconsin-based provider-sponsored plan affiliated with Aspirus Health, offering individual, Medicare, and group products in northern and central Wisconsin markets overlapping with Quartz.
• UCare: UCare is a Minnesota-based health plan focused on Medicare, Medicaid (PMAP, MSHO, SNBC), and individual marketplace plans. Directly comparable to Quartz given similar Medicaid/Medicare concentration and adjacent Midwestern geography.
• Priority Health: Priority Health is a Michigan-based, Corewell Health-sponsored regional health plan offering commercial, Medicare Advantage, Medicaid, and individual plans. Comparable to Quartz as a provider-sponsored multi-state regional carrier with strong value-based care orientation.
• Security Health Plan: Security Health Plan is a Wisconsin-based, Marshfield Clinic-sponsored health plan offering HMO, POS, Medicare Advantage, Medicaid, and group plans. It is the closest peer to Quartz given its provider-sponsored model, Wisconsin concentration, and comparable multi-product mix including BadgerCare Plus.
• Dean Health Plan (WellFirst Health): Dean Health Plan, now branded WellFirst Health, is the SSM Health-sponsored Wisconsin HMO offering individual, family, Medicare, and group plans. Highly comparable to Quartz as a Wisconsin provider-sponsored competitor in the same product segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/QuartzBenefits
• Facebookfacebook.com/quartzhealthsolutions
• LinkedInlinkedin.com/company/quartz-health-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Quartz