Pennie & the American Rescue Plan

Your one-stop for discovering what savings you qualify for with the passage of the American Rescue Plan.
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The recently passed American Rescue Plan includes updates that result in significant additional savings for Pennsylvanians shopping for marketplace health coverage and those already enrolled through Pennie.
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I'm New to Pennie

Welcome to Pennie!  Wondering what the American Rescue Plan means for your health insurance costs?  Click here!

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I'm a Pennie Customer

The American Rescue Plan means more savings for our Pennie customers.  Click here to learn more.

Current Pennie Customers

Looking for information on how the American Rescue Plan will impact you?  We got you covered.

How does the American Rescue Plan impact how much I will spend on health insurance?

The American Rescue Plan lowers health insurance premiums on Pennie. If you were previously eligible for financial assistance, like advance premium tax credits (APTC), to lower the cost of health coverage, you will be eligible for additional financial assistance to further reduce the cost of coverage. If you previously did not qualify for financial assistance because your income was too high, you may now qualify. 

Note: Other eligibility criteria, like access to job-based coverage (ESI) that meets affordability standards, have not changed. Those with an offer of ESI that meet this criterion will continue to be ineligible for financial assistance through Pennie.  

To find out how much you could qualify to save because of the passing of the American Rescue Plan check out the Savings calculator at American Rescue Plan Savings Calculator (pennie.com) 

How long will my premiums remain lower due to the American Rescue Plan?

The reduced premiums under the American Rescue Plan are for all of 2021 and all of 2022 unless Congress extends or makes them permanent. You are eligible for the benefits under this law from the date in which your coverage through Pennie began, so enroll today if you haven’t already! 

NOTE: Pennie has added your eligible subsidies from the beginning part of the year to your subsidies for the remainder of the year.  Because of this, there will be a difference in subsidies between December 2021 and January 2022.  That means you will see a likely increase from your December 2021 premium to your January 2022 premium. 

 

When will I see the American Rescue Plan changes in my account?

Pennie is working diligently to ensure that Pennsylvanians have access to all of the financial assistance they are eligible for as soon as possible. Please continue to check back into your account on pennie.com over the next several weeks and months to see exactly what you are eligible for. 

Hang tight, Pennie will be sure to let you know when these changes will be available in your account and what steps you need to take to receive them, if any. If you edit or update your application and resubmit. 

 

I still have questions, where are the rest of the Frequently Asked Questions?

Click here for our complete FAQ directory.

Yeah, I think I’d feel better if I talked to someone.  Help?

Absolutely, we know shopping for health insurance can feel overwhelming even without all these new changes.  Click here.

How does the American Rescue Plan impact how much I will spend on health insurance?

The American Rescue Plan lowers health insurance premiums on Pennie. If you were previously eligible for financial assistance, like advance premium tax credits (APTC), to lower the cost of health coverage, you will be eligible for additional financial assistance to further reduce the cost of coverage. If you previously did not qualify for financial assistance because your income was too high, you will now qualify.

Note: Other eligibility criteria, like access to job-based coverage (ESI) that meets affordability standards, have not changed. Those with an offer of ESI that meets this criteria will continue to be ineligible for financial assistance through Pennie. 

NOTE: Pennie’s systems have not yet been updated to reflect the changes under the American Rescue Plan. Pennie is working to get these changes implemented as soon as possible. Continue to check pennie.com to see when these changes will be implemented on Pennie. 

How long will my premiums remain lower due to the American Rescue Plan?

The reduced premiums under the American Rescue Plan are for all of 2021 and all of 2022 unless Congress extends or makes them permanent. You are eligible for the benefits under this law from the date in which your coverage through Pennie began, so enroll today if you haven’t already!

NOTE: Pennie’s systems have not yet been updated to reflect the changes under the American Rescue Plan. Pennie is working to get these changes implemented as soon as possible. Continue to check pennie.com to see when these changes will be implemented on Pennie.

When will I see the American Rescue Plan changes in my account?

Pennie is working diligently to ensure that Pennsylvanians have access to all of the financial assistance they are eligible for as soon as possible. Please continue to check back into your account on pennie.com over the next several weeks and months to see exactly what you are eligible for.

Hang tight, Pennie will be sure to let you know when these changes will be available in your account and what steps you need to take to receive them, if any.

I still have questions, where are the rest of the Frequently Asked Questions?

Click here for our complete FAQ directory.

Yeah, I think I’d feel better if I talked to someone. Help?

Absolutely, we know shopping for health insurance can feel overwhelming even without all these new changes.  Click here.

Hi, I’m new here.

Looking for info on how the American Rescue Plan impacts how much you’d pay for health insurance?  We got you covered.

I didn’t think I qualified for financial assistance before – but think I might qualify under the American Rescue Plan Act, how do I check?

Under the American Rescue Plan Act of 2021, many Pennsylvanians are newly eligible for financial assistance or may see an increase in the amount of financial assistance, like advance premium tax credits (APTC), they are eligible for.

These savings could significantly lower your monthly premiums. Even if you were previously ineligible for financial assistance through Pennie, you may be able to save under the new law. The easiest way to determine eligibility is by applying using Pennie’s online application. Pennie makes getting assistance and coverage easy. Just click the “Get covered” button at the top of the page and complete your application today.

Do I have to enroll in a specific plan to get lower premiums under the American Rescue Plan Act?

Nope. You can enroll in any plan and apply the amount of advance premium tax credits (APTC) you qualify for to the plan of your choice. The American Rescue Plan calculates the amount of the reduction using the cost of the second-lowest-cost silver bracket plan, your income, and your age to determine how much APTC you qualify for. Please note, if you enroll in a different plan from the benchmark plan in your area, you may see a different premium amount.  

How long will my premiums remain lower due to the American Rescue Plan?

The reduced premiums under the American Rescue Plan are for all of 2021 and all of 2022 unless Congress extends or makes them permanent. You are eligible for the benefits under this law from the date in which your coverage through Pennie began, so enroll today if you haven’t already! 

NOTE: Pennie has added your eligible subsidies from the beginning part of the year to your subsidies for the remainder of the year.  Because of this, there will be a difference in subsidies between December 2021 and January 2022.  That means you will see a likely increase from your December 2021 premium to your January 2022 premium. 

 

I still have questions, where are the rest of the Frequently Asked Questions?

Click here for our complete FAQ directory.

Yeah, I think I’d feel better if I talked to someone.  Help?

Absolutely, we know shopping for health insurance can feel overwhelming even without all these new changes.  Click here.

I didn’t think I qualified for financial assistance before – but think I might qualify under the American Rescue Plan Act, how do I check?

Under the American Rescue Plan Act of 2021, many Pennsylvanians are newly eligible for financial assistance or may see an increase in the amount of financial assistance, like advance premium tax credits (APTC), they are eligible for.

These savings could significantly lower your monthly premiums. Even if you were previously ineligible for financial assistance through Pennie, you may be able to save under the new law. The easiest way to determine eligibility is by applying using Pennie’s online application. Pennie makes getting assistance and coverage easy. Just click the “Get covered” button at the top of the page and complete your application today.

NOTE: Pennie’s systems have not yet been updated to reflect the changes under the American Rescue Plan Act. Pennie is working to get these changes implemented as soon as possible. Continue to check pennie.com to see when these changes will be implemented on Pennie. 

Do I have to enroll in a specific plan to get lower premiums under the American Rescue Plan Act?

Nope. You can enroll in any plan and apply the amount of advance premium tax credits (APTC) you qualify for to the plan of your choice. The American Rescue Plan calculates the amount of the reduction using the cost of the second-lowest-cost silver bracket plan, your income, and your age to determine how much APTC you qualify for. Please note, if you enroll in a different plan from the benchmark plan in your area, you may see a different premium amount.  

NOTE: Pennie’s systems have not yet been updated to reflect the changes under the American Rescue Plan Act. Pennie is working to get these changes implemented as soon as possible. Continue to check pennie.com to see when these changes will be implemented on Pennie. 

How long will my premiums remain lower due to the American Rescue Plan?

The reduced premiums under the American Rescue Plan are for all of 2021 and all of 2022 unless Congress extends or makes them permanent. You are eligible for the benefits under this law from the date in which your coverage through Pennie began, so enroll today if you haven’t already!

NOTE: Pennie’s systems have not yet been updated to reflect the changes under the American Rescue Plan. Pennie is working to get these changes implemented as soon as possible. Continue to check pennie.com to see when these changes will be implemented on Pennie.

I still have questions, where are the rest of the Frequently Asked Questions?

Click here for our complete FAQ directory.

Yeah, I think I’d feel better if I talked to someone. Help?

Absolutely, we know shopping for health insurance can feel overwhelming even without all these new changes.  Click here.

Still Have More Questions?

We don’t have an app for that – but we do have living, breathing folks ready to help answer your questions!
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Call Customer Service

Pennie’s friendly and experienced Customer Service Representatives are ready to help you with your application or account questions.

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Find A Pennie Broker

Brokers offer free guidance and advice.  Only a broker can make recommendations about which plan you should buy.

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Find A Pennie Assister

Assisters can help you understand what options are available to you and your family.  Request a free in-person or virtual meeting

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Send Us Your Question

You can send us a question by using our form below.  This isn’t a secure inbox so please don’t include your account or SSN.