Frequently asked questions

You’ve got questions.  We’ve got answers.

When the only thing you know is that you know you need health insurance.

General FAQs

What is Pennie?

Pennie is Pennsylvania’s official destination for shopping for quality health insurance plans and accessing financial assistance.

How do I contact Pennie?

If you are a customer who would like to speak with one of Pennie’s friendly and knowledgeable Customer Service Representatives you can call the Pennie Contact Center at 1-844-844-8040.

If you are a Pennie Certified Broker or Assister and you need assistance you can call the Pennie Contact Center at 1-844-844-4440.

Click here for more information on free enrollment assistance options or how to send us an email.

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.

What documents should I submit to resolve a Data Matching Issue?

Here you will find a complete list of documents that can help verify the information you provided in your application.

NOTE: If you need additional assistance, please reach out to a Pennie Customer Service member at: 1-844-844-8040 or TTY: 711.

How do I estimate my expected income?

When you fill out a health insurance application with Pennie, you’ll need to estimate your expected income for the next coverage year.  Here’s everything you need to know.

Where can I find a full list of FAQs?

Click here to be taken to our FAQ central.

Pennie & The American Rescue Plan FAQs

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. 

 

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!

What if my income changes while the American Rescue Plan is in effect?

Your monthly premium is based on your income. If your income goes down, you may qualify for lower monthly premiums. If your income goes up, your monthly premium may go up. You will not pay more than 8.5% of your annual income on health insurance premiums.

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

Nope! You can enroll in any plan – bronze, silver, or gold – 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 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.

I qualify for monthly premium reductions, but I chose to pay my full monthly premium instead. Can I claim the amount of reduced premiums during tax time when I file my taxes?

Yes, when you file your 2021 taxes – tax credits that you did not receive throughout the year will be paid back to you as a refund.

I did not think I qualified for assistance in the past but think I might qualify under the American Rescue Plan Act, how do I determine if I qualify?

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 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.

I am in the U.S. on a Visa and don’t qualify for Medicaid coverage because of my visa status. Will my premiums for private health insurance go down?

Yes.  Depending on your income, your premiums may be as low as $2/month. The American Rescue Plan includes visa holders who don’t qualify for Medicaid coverage.

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.

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Still feeling a bit overwhelmed?  We've been there too - so we set up multiple ways of getting some help or guidance.

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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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