Pennie – Pennsylvania’s Official Health Insurance Marketplace

At Insurance Benefits of Pennsylvania, we’re committed to helping you find affordable, high-quality health coverage. Pennie is Pennsylvania’s official health insurance marketplace, designed to connect Pennsylvanians like you to plans that fit your needs and budget. Whether you’re an individual or a family, Pennie offers a one-stop shop to apply, compare plans, and enroll in coverage—plus, it’s the only place to access financial assistance to lower your costs.

What is Pennie?

Pennie is Pennsylvania’s state-based health insurance marketplace, created to provide affordable, high-quality health and dental insurance plans to residents. Launched in 2019, Pennie replaced the federal Healthcare.gov platform, giving Pennsylvania more control to tailor coverage options to the needs of its residents. It’s a collaboration between the state and top private insurance companies, ensuring a trusted and secure place to shop for health insurance.

Who Can Enroll Through Pennie?

Pennie is available to Pennsylvania residents who meet the following criteria:

• You are a U.S. citizen, U.S. national, or have a qualified immigration status.
• You are not currently covered by an employer-sponsored plan, Medicaid, or Medicare.
• You are unemployed, recently lost other insurance, or your employer does not provide health coverage.

Pennie is also a great option for those who have lost Medicaid coverage due to changes in income or eligibility, offering a seamless transition to affordable private plans.

Why Choose Pennie?

Financial Assistance: Nine out of 10 Pennie customers qualify for financial savings, including:

• Advance Premium Tax Credits (APTC): A tax credit that lowers your monthly premium based on your income and household size.
• Cost-Sharing Reductions (CSR): Extra savings on out-of-pocket costs like deductibles and copayments, available if you enroll in a Silver plan.

Comprehensive Coverage: All Pennie plans cover the 10 essential health benefits required by the Affordable Care Act, including hospital care, mental health support, prescriptions, maternity care, and more. Plans also cover pre-existing conditions and offer free preventive services.

More Choices: Thanks to increased competition in the marketplace, Pennie offers a variety of plans from multiple insurers, giving you more options to find the right coverage.

When Can You Enroll?

The Open Enrollment Period for Pennie typically runs from November 1 to January 15 each year for coverage starting the following year. However, you may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event, such as:

• Getting married or having a baby.
• Losing other coverage (e.g., through an employer or Medicaid).
• Moving to a new area or experiencing a change in income.

If you’ve experienced a qualifying life event, you have 60 days to enroll in a plan through Pennie to avoid a gap in coverage.

How to Enroll in Pennie

Enrolling in Pennie is simple and can be done in several ways:

• Online: Visit pennie.com to apply, shop, and compare plans.
• By Phone: Call Pennie’s Customer Service at 1-844-844-8040. They’re available Monday through Friday, 8 AM to 7 PM, and Saturdays, 8 AM to 1 PM during Open Enrollment.
• In Person: Work with a Pennie-certified assister or broker for personalized help. Find a local expert at pennie.com/connect.

When applying, have the following ready: a photo ID, proof of income, and information about your household size.

Why Health Insurance Matters

No one plans to get sick or injured, but having health insurance through Pennie ensures you’re protected from high medical bills. Coverage helps you access preventive care to catch health issues early, provides financial protection in emergencies, and gives you peace of mind knowing you and your family are covered.

Ready to Get Covered?

Don’t wait until it’s too late—explore your options with Pennie today. Our team at Insurance Benefits of Pennsylvania is here to guide you through the process and help you find a plan that fits your needs and budget. Contact us to learn more or get started with a free quote!