What is Pennie?

Pennie is the official health and dental insurance exchange in Pennsylvania. Residents of PA can shop online for health insurance at Pennie.com, and check if they qualify for financial assistance to help reduce the cost of coverage and care.

Frequently asked questions about Pennie

Who can buy health insurance coverage through Pennie?

Pennsylvania residents who are U.S. citizens or U.S. nationals, or those who have a qualified immigration status can get health care coverage through Pennie. Here are some examples that may apply to you:

  1. You are unemployed and without health insurance coverage.
  2. You recently lost other insurance options.
  3. Your employer does not provide health coverage.

When can I shop for health coverage on Pennie?

The majority of people will shop for individual or family health coverage during Open Enrollment.

Enrollment dates:

Nov. 1, 2022 – Jan. 15, 2023

Dec. 15, 2022

Jan. 15, 2023

Enrollment period

Last day to enroll for coverage that starts Jan. 1, 2023

Last day to enroll for coverage that starts Feb. 1, 2023

However, changes in your life may qualify you for a Special Enrollment Period. This would allow you to purchase coverage outside of Open Enrollment. These changes are called qualifying life events. If you have a qualifying life event, you have 60 calendar days leading up to or after the event to enroll in a plan. You may need to provide documents that prove your eligibility.

What is a Qualifying Life Event?

A change in your circumstances – like getting married, having a baby, or losing health coverage – that can make you eligible for a Special Enrollment Period, which allows you to enroll in health insurance outside the yearly Open Enrollment Period. When you apply for Pennie coverage through a Special Enrollment Period, you may be asked to provide documents to confirm the Qualifying Life Event (QLE) that makes you eligible.

How can I find out if I qualify for financial assistance?

Your family size and annual income will be used to determine if you are eligible to receive financial assistance that could help lower your monthly payment and/or out-of-pocket expenses. Depending on your circumstances, it is possible to qualify for both an advanced premium tax credit (APTC) and cost-sharing reductions (CSR).

How to calculate my expected household income?

Start with your household’s savings and adjusted gross income(s) — what you expect to earn before taxes — and update it with any changes you expect. Be sure to include all the people in your household and any dependents, whether they need coverage or not.

What documentation do I need to enroll?

You should have the following documentation on hand to start your 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)

I have more questions, where can I go for answers?

Have questions or need more information about individual and family plans? We're here to help! Call, click or visit us today:

Call 800.451.1181 for assistance.

You can also walk-in or schedule an appointment at one our Capital Blue Cross Connect health and wellness centers.

Or use our Quick Quote tool to calculate your estimated monthly premium.