How to enroll

Enrolling is simple

Pennie is your one-stop shop for browsing, applying, and enrolling in coverage. Watch the video or scroll down to learn a bit more.

This video shows how easy it is to enroll you and your family for coverage.

Enrollment Basics

Shop and compare plans, gather necessary documents and sign up online with Pennie.

What is open enrollment?

This is the yearly period when you can buy health insurance. If you don’t enroll during this time, you can’t sign up until the next one, except in limited instances, called special enrollment periods. Pennie’s Open Enrollment Period runs yearly from November 1 to January 15.

How Open Enrollment Works

What are special enrollment periods?

If you experience a Qualifying Life Event
such as loss of health coverage, marriage,
change of residence, or many others, you
can enroll in a Special Enrollment Period,
anytime outside open enrollment

Learn More

Your Simple Guide

How to enroll

Compare plans and get a quote

Answer 3 simple questions to see your quote and then filter plan options for your needs!

Apply for coverage

Pennie tells you exactly what you need like household info, pay stubs, and more.

Pay your first month’s premium

This is called your binder payment. Coverage cannot begin until this is paid before the policy’s effective date. Good news! Many plans allow you to pay online.

You’re covered!

Enjoy the peace of mind that comes with knowing you and your family have health insurance. Start using your coverage to get the care you need.

Get started

Gather the following before you start enrollment:

Photo ID(s) (driver’s license, passport or other option proving your identity)

Social security number(s)

Last 4 weeks of pay stubs

Immigration documents, if applicable

Most recent tax return(s)

Financial Savings Basics

If you qualify for financial savings, Pennie can help lower your monthly premium and/or out-of-pocket costs in two ways: Advance Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR).

What’s an Advanced Premium Tax Credit?

An Advanced Premium Tax Credit (APTC) is an on-the-spot tax credit that lowers your monthly health insurance payment. When you apply for coverage through Pennie, you’ll estimate your expected income for the year. If you qualify for an APTC, you can use any amount of the credit in advance to lower your monthly payments.

What is my expected household income?

Start with your household’s adjusted gross income (AGI) from your most recent federal income tax return. Adjust your estimate with any changes you expect.

Note: Be sure to include all the people in your household and any dependents, whether they need coverage or not.

What is a cost-sharing reduction?

The cost-sharing reduction (CSR) helps to lower your out-of-pocket costs like deductibles and copayments. If you qualify, you must enroll in a plan in the Silver category to get the extra savings.

Find Answers. Meet Pros. Get Covered.