Pennie Health Insurance Marketplace Plans in Philadelphia and Across Pennsylvania
Pennie is Pennsylvania’s official health insurance marketplace, offering ACA-compliant plans with potential subsidies to help lower your monthly premium. As a Pennie-certified broker in Philadelphia, The Medicare Mensch makes it simple to compare options, apply for financial assistance, and enroll in a plan that fits your needs—whether you’re in Fishtown, the suburbs, or anywhere across the Keystone State.
What Is Pennie?
Pennie is Pennsylvania’s state-run alternative to healthcare.gov, created to give residents more control and better access to affordable coverage. It’s the only place where you can apply for premium tax credits and cost-sharing reductionsto make health insurance more affordable.
Who Should Use Pennie?
Individuals and families without employer-sponsored coverage
Self-employed and 1099 workers in Pennsylvania
Early retirees not yet eligible for Medicare
Anyone who may qualify for financial assistance based on household income
How Pennie Subsidies Work
Your household size and income determine your subsidy eligibility. Many Pennsylvanians are surprised to learn they qualify for help, even with moderate incomes. Subsidies are applied directly to your monthly premium, lowering your cost right away.
Types of Plans Available Through Pennie
01.
Bronze Plans
Lowest premiums, higher out-of-pocket costs, best for those who use minimal care
02.
Silver Plans
Balanced premiums and costs, eligible for cost-sharing reductions if you qualify
03.
Gold Plans
Higher premiums but lower costs when you need care
Why Work With a Pennie-Certified Broker?
While you can shop directly on Pennie’s site, working with a certified broker like The Medicare Mensch means:
Expert guidance on plan details, networks, and benefits
Help estimating your income for subsidy accuracy
Support during enrollment and renewal
Year-round assistance if issues come up
Philadelphia-Area Provider and Hospital Networks
We help you confirm that your preferred doctors, specialists, and hospitals—like Jefferson, Penn Medicine, and Temple Health—are included in your plan’s network so you avoid surprise bills.
Enrollment Deadlines
Open Enrollment Period
Typically November 1 to December 15
Special Enrollment Period
Available if you experience a qualifying life event, like losing job-based coverage or moving
Get Help With Pennie Enrollment
Schedule your free consultation today. We’ll compare Pennie plans, help you apply for subsidies, and guide you step-by-step to coverage you can afford.