As an individual shopping for health insurance, you can purchase a plan two ways.
Where can I buy my insurance?
You may shop for coverage through the Pennsylvania health insurance marketplace (Pennie™) which offers you a choice of qualified health plans. You can view the products we offer and see if you qualify for Advanced Premium Tax Credits (APTC) or by going directly to Pennie.
Keep in mind, you may qualify for financial help if you shop through Pennie:
Advanced Premium Tax Credits
Advanced Premium Tax Credits(APTC), which may be applied in advance to lower what you pay each month for your premium on any metal level plan except Catastrophic. Your tax credit is based on the income estimate and household information you put on your Pennie application. If your estimated income falls between 100% and 400% of the federal poverty level for your household size, you qualify for a premium tax credit.
Cost-Sharing Reductions (CSR)
Cost-Sharing Reductions (CSR) will lower out-of-pocket costs that you may pay at the time of service for doctor visits, lab tests, drugs, and other covered services. You can only get these savings if you enroll in a Silver plan on Pennie. If you find that you qualify for extra savings and pick a Silver plan, you qualify for a cost-sharing reduction and also have a lower out-of-pocket maximum.
You have access to additional choices directly from us. If you are not eligible to save money by purchasing through Pennie, you may wish to consider additional plan choices by viewing the products we offer.