Changes Coming for 2026
Cost Changes for Pennie Enrollees Coming in 2026
Due to federal law, some health insurance tax credits will expire at the end of this year unless Congress acts.
Based on your feedback, we know the cost of coverage is your highest concern.
We want to keep you informed about any changes to your coverage so you can best plan ahead for you and your family.
Learn more below.
What’s Happening?
- In 2026, your monthly payments will be increasing unless Congress acts.
- Since 2021, the federal government has been offering enhanced tax credits to make health insurance cheaper for Pennie enrollees. These enhanced tax credits are expiring December 31, 2025, unless Congress votes to extend them.
- This will not affect your premiums in 2025.
- There will still be some tax credits for people who qualify, but the amount will be smaller. People who make around $60,000 a year or more (around $82,000 for a couple) won’t qualify for any tax credits.
How much will I pay next year?
- You’ll know what your final 2026 costs will be in November after annual plan updates are made. Until then, you can see an estimate of your 2026 payments with this financial calculator.
NOTE: This is an external link and by clicking on it, you will be leaving Pennie’s website. Links to other websites are provided solely for the convenience of the user and do not constitute an endorsement or recommendation of those websites.
What can I do?
READ EVERYTHING Pennie or your insurance company sends you. More specific information on how you will be impacted will be shared closer to the 2026 Open Enrollment Period (starting November 1, 2025).
Open Enrollment will be your chance to enroll in a new plan that best fits your budget. When that time comes, Pennie is here to help. Check out pennie.com/connect for free assistance when shopping your plan options.
Want to do a deeper dive? Visit Pennie’s Affordability Page. There you can find data, stats, customer stories, news articles, and more.
Share how this will impact your health below.
What is Pennie doing?
- Pennie remains committed to helping customers find the lowest costs on high-quality health coverage.
- Pennie has developed websites, factsheets, customer testimonial videos, and more to show the impacts these tax credits have made on Pennie enrollees. These facts are being shared with state and federal elected officials and key stakeholders for educational purposes.
- Pennie is PA’s version of the health insurance marketplace created by the Affordable Care Act. Because of this, Pennie must follow any federal laws that change health insurance standards.
Other Reasons Your Monthly Pavements May Change in 2026:
Changes may happen to your financial savings because of:
- Changes in your household income, family size, or tax filing status.
- Failure to submit verification documentation, click here to learn more.
- Failure to report Advanced Premium Tax Credits in past years on your federal tax return, click here to learn more.
- A new insurance company started selling plans in your area and it has impacted your tax credits and premiums.
If you have any questions, please call Pennie Customer Service at 844-844-8040.