Introducing Pennie Exchange, Pennsylvania’s Own Health Insurance Authority!

Pennie Exchange is your go-to resource for health insurance in Pennsylvania. Known previously as the Marketplace or Obamacare, Pennie Exchange is the official platform of the Pennsylvania Health Insurance Exchange Authority. Through Pennie Exchange, residents have access to comprehensive healthcare plans, subsidies, and enrollment periods. Reach out at or call Pennie Exchange Customer Service at 1-844-844-8040.

Who’s Eligible for the Insurance Plans via Pennie Exchange?

Pennie Exchange aims to cover those who may not have access to qualified health insurance through an employer, a spouse’s job, or the state. This includes individual residents and families of Pennsylvania. Pennie Exchange provides specific enrollment periods to help you secure a plan.

What is the Advance Premium Tax Credit (APTC)?

Available via Pennie Exchange, the APTC is a tax credit that aims to make monthly premiums affordable for Pennsylvania residents. Your eligibility is determined based on your projected income and the household information you provide on your Pennie Exchange application.

How Can People and Culture Benefits (PCB) Assist You with Pennie Exchange?

As a licensed and certified Broker, PCB can assist Pennsylvania residents with their applications and plan choices on Pennie Exchange. Our services are available free of charge and we always act in our clients’ best interests.

Navigating the Pennie Exchange Application Process

At PCB, we’ve successfully guided many Pennsylvanians from start to finish, ensuring they qualify for the APTC and choosing the most suitable plan.

Decoding Insurance Jargon with Pennie Exchange!

At PCB, we believe that insurance terms should be easy to understand. So, here are simplified versions of common insurance terms in relation to Pennie Exchange:

  • Premium: The monthly fee for your health coverage
  • Copay: A set amount you pay for healthcare services when you receive care
  • Deductible: The total cost you will bear for covered healthcare services before your insurer starts to pay
  • Co-insurance: The proportion of the cost of covered healthcare services you’ll pay out-of-pocket after meeting your deductible
  • Out-of-pocket maximum: The highest total amount you could pay each year in deductibles, copays, and coinsurance (not including your monthly premium)
  • Network: A group of healthcare providers and facilities that have partnered with your insurer to provide healthcare services
  • Advanced Premium Tax Credit (APTC): A tax subsidy provided through Pennie Exchange to lower your monthly premium
  • Cost-Sharing Reductions (CSRs): CSRs lower the cost of healthcare services like deductibles, co-pays, and coinsurance. Through Pennie Exchange, if