Health Insurance
Pennie plans plus the gaps nobody warns you about.
Pennie is Pennsylvania's health insurance marketplace. Whether you are self-employed, between jobs, or just want better coverage, we walk you through every plan you qualify for, including subsidies that can knock your premium down to almost nothing.
What we cover
- Pennie marketplace plan comparisons
- Subsidy estimates so you know what you actually pay
- Supplemental plans that fill deductible and copay gaps
- Short-term coverage between jobs
- Dental, vision, and hearing standalone plans
- Accident and critical illness policies
Why people call us
- 1.Independent. We shop the market, not one carrier.
- 2.Local. Real Pittsburgh agents, real conversations.
- 3.Free. Our service costs you nothing. Carriers pay us.
Ready to talk?
(412) 953-2830Pennie, in plain English
Pennie is the place Pennsylvania residents shop for individual and family health plans. It is where premium subsidies live. Depending on your income, your subsidy can cover most or all of your monthly premium. We figure out what you qualify for and which plan gives you the best deductible, copay, and provider network for your specific situation.
- Open Enrollment runs Nov 1 to Jan 15 each year
- Special Enrollment Periods open after qualifying life events
- Subsidies based on household income, not assets
Supplemental coverage fills the real gaps
Even a strong main health plan leaves you exposed to deductibles, copays, and out-of-pocket maxes that can run into the thousands. Supplemental policies pay you cash when something happens, an accident, a hospital stay, a critical illness diagnosis, so the bills do not pile up on top of the medical stress.
Self-employed? You have options.
If you left a job to start something on your own, your health insurance does not have to follow that decision into a corner. We help freelancers, contractors, and small business owners find Pennie plans, group plans for very small teams, and supplemental coverage so you can stop white-knuckling the deductible.
Carriers we work with
The two carriers we lean on for health coverage.
For Pennie marketplace and supplemental health plans in Western PA, almost every household ends up with one of these two. We will tell you which one fits your doctors, your meds, and your budget.
Health Insurance
2 carriersCommon questions
Things people ask before their first call.
Most people do. Subsidies are based on household income, household size, and the cost of plans in your area. Even households earning over six figures often qualify for some help. We run the numbers before you commit to anything.
Ready when you are
The first call is free. The second one usually is too.
Whether you are turning 65, between jobs, or rethinking retirement, we will walk through your options without any pressure to enroll.