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 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) 

 

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 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!

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. 

See:  

What should I do if I experience a change in income or another change in circumstance during the year? – pennie help 

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.

Do I still have to pay my full April premium despite possible changes under the American Rescue Plan?

Yes, you should continue to pay your premiums as normal. New and current customers may not see the new benefits on their account dashboard right away, and will have to pay their April premium based on their eligibility under the old rules. 

Hang tight. Pennie is working to implement these changes to get customers the savings they deserve. Pennie customers will be eligible for the new benefits from their first day of coverage, and will start to see those benefits in their accounts when the updates required under the new law are made. 

 

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. 

 

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. 

 

My tax credits have increased due to the American Rescue Plan, can I change health insurance plans?

YES, you can easily change your Pennie plan through your pennie.com account. Simply log in to your account and look for the new COVID-19 Enrollment Period banner on your account dashboard. Click here for a detailed walk-through.

I started a new application but never completed it, can I still complete my application to see if I qualify for tax credits under the American Rescue Plan?

YES, Pennie customers have through August 15th under the Pennie COVID-19 Enrollment Period to complete their applications for coverage. You can easily login into your Pennie account and click “my application” to complete your application today and get the coverage you need. To learn more about the Pennie COVID-19 Enrollment Period and other information on Pennie and COVID-19 visit our COVID-19 information page. 

 

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.

I did not apply for coverage during Pennie’s initial open enrollment period but want to see if I’m eligible for financial assistance under the American Rescue plan Act of 2021. Can I still apply for coverage through Pennie and get financial assistance?

YES, Due to the overwhelming impact of COVID-19, Pennie has made enrollment possible for all eligible Pennsylvanians. From Feb 15 through August 15, if you are uninsured or do not have health insurance through your employer, you can enroll in coverage through Pennie. 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), for which they are eligible. You too might qualify for financial assistance. Simply click here to get the process started. 

 

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.

Explore by topic

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.

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.
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. 

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.

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.

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.

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.

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.

Do I still have to pay my full April premium despite possible changes under the American Rescue Plan?

Yes, you should continue to pay your premiums as normal. New and current customers may not see the new benefits on their account dashboard right away, and will have to pay their April premium based on their eligibility under the old rules.

Hang tight. Pennie is working to implement these changes to get customers the savings they deserve. Pennie customers will be eligible for the new benefits from their first day of coverage, and will start to see those benefits in their accounts when the updates required under the new law are made.

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 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.

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.

My tax credits have increased due to the American Rescue Plan, can I change health insurance plans?

My tax credits have increased due to the American Rescue Plan, can I change health insurance plans?

YES, you can easily change your Pennie plan through your pennie.com account. Simply log in to your account and look for the new COVID-19 Enrollment Period banner on your account dashboard. Click here for a detailed walk-through.

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 started a new application but never completed it, can I still complete my application to see if I qualify for tax credits under the American Rescue Plan?

YES, Pennie customers have through May 15th under the Pennie COVID-19 Enrollment Period to complete their applications for coverage. You can easily login into your Pennie account and click “my application” to complete your application today and get the coverage you need. To learn more about the Pennie COVID-19 Enrolment Period and other information on Pennie and COVID-19 visit our COVID-19 information page.

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 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 did not apply for coverage during Pennie’s initial open enrollment period but want to see if I’m eligible for financial assistance under the American Rescue plan Act of 2021. Can I still apply for coverage through Pennie and get financial assistance?

YES, Due to the overwhelming impact of COVID-19, Pennie has made enrollment possible for all eligible Pennsylvanians. From Feb 15 through May 15, if you are uninsured or do not have health insurance through your employer, you can enroll in coverage through Pennie. 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), for which they are eligible. You too might qualify for financial assistance. Simply click here to get the process started.

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 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.

Explore by topic

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

Single mother using tablet with young sons on couch

Call Customer Service

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

family wearing masks looking at camera

Find A Pennie Broker

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

family wearing masks looking at camera

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

family wearing masks looking at camera

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.

Sign up for important news and updates from Pennie

Your contact information will be kept private and confidential.

  • This field is for validation purposes and should be left unchanged.

Follow Us