Who is eligible for Pennie?

How do I know if I qualify for the Affordable Care Act?

Must live in the United States. Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses. Cannot be incarcerated in prison or jail.

What is the highest income to qualify for ACA?

In 2025, you'll typically be eligible for ACA subsidies if you earn between $15,060 and $60,240 as a single person. A family of four is eligible with a household income between $31,200 and $124,800.

Why am I not eligible for Pennie insurance?

Can I get coverage? You can apply and get covered through Pennie if you are a PA resident that is a citizen, a U.S. national, or if you have qualified immigration status. If you're not covered through your job or a government program like Medicaid or Medicare, you can enroll in a high quality plan through Pennie.

Is Pennie based on gross or net income?

Eligibility for financial assistance through Pennie is based on modified adjusted gross income (MAGI).

Is Pennie the same as Affordable Care Act?

The comprehensive health care reform law enacted in March 2010 (sometimes known as the ACA, or “Obamacare”). Pennie operates Pennsylvania's state-based marketplace in accordance with the ACA. The law provides numerous customer benefits and protections, including: Making health coverage more accessible and affordable.

Can you get Pennie if your employer offers insurance?

Who can buy health insurance through Pennie? Pennsylvanians can apply for health insurance through Pennie even if they have an offer of job-provided insurance.

What counts as income?

Income can be money, property, goods or services. Even if you don't receive a form reporting income, you should report it on your tax return.

What is a household for Pennie?

Follow these basic rules when including members of your household: Include yourself. Include your spouse* or domestic partner. Include anyone you plan to claim as a tax dependent for the year you want coverage\n. Include any child under 21 you take care of and who lives with you, even if not your tax dependent.

Is Pennie good for insurance?

Lower Premiums

Pennie, by law, is the only source for financial savings to lower your monthly premiums on high-quality coverage and potentially out-of-pocket costs like co-pays and deductibles.

What income is considered low income in PA?

For example, a single person living alone cannot make more than $30,120 and a family of four cannot make more than $62,400.

What is the highest income to qualify for Medicaid 2024?

Parents of Dependent Children: Income limits for 2024 are reported as a percentage of the federal poverty level (FPL). The 2024 FPL for a family of three is $25,820. Other Adults: Eligibility limits for other adults are presented as a percentage of the 2024 FPL for an individual is $15,060.

Does Pennie verify income?

Pennie is required by law to verify the information on your application when you apply. Some information is verified automatically, electronically. However, when your information cannot be confirmed we need you need to submit supporting documentation.

What is household income for health insurance?

For most people, a household consists of: The tax filer. Their spouse if they have one. Their tax dependents, including those who don't need coverage.

Can you get Pennie insurance without a job?

Pennie offers individual and family health & dental insurance plans to anyone who qualifies during a valid enrollment period. If you lose your job-based coverage, you have up to 60 days to enroll in a plan through Pennie during a Special Enrollment Period.

What is the cheapest health insurance in PA?

Why did PA switch to Pennie?

By establishing Pennie, the state can offer access to health insurance products from private insurers. As of 2022 – the most recent year such statistics were available – Pennsylvania ranked ninth in the country for the lowest uninsured rate, with 5.4% of its population lacking health insurance.

Who is not eligible for Obamacare?

To be eligible to enroll in health coverage through the Marketplace, you must: Live in the United States (U.S). Be a U.S. citizen or national, or be lawfully present non-citizen in the U.S. Learn about eligible immigration statuses. Not be incarcerated.

Can I refuse health insurance from my employer and get Obamacare?

Obamacare is available to everyone, whether or not their employers offer insurance. From a practical standpoint, though, there are financial consequences to doing this. Often, an employer subsidizes part or all of their employees' coverage.

What disqualifies you from the premium tax credit?

For tax years other than 2021 and 2022, if your household income on your tax return is more than 400 percent of the federal poverty line for your family size, you are not allowed a premium tax credit and will have to repay all of the advance credit payments made on behalf of you and your tax family members.