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Extended Enhanced Subsidies

Get access to free or low-cost health care coverage with extended enhanced subsidies.

Enhanced Subsidies through the Inflation Reduction Act
How can extended enhanced subsidies through the Inflation Reduction Act of 2022 help?1

The Inflation Reduction Act extends subsidies for many people who purchase a plan on Pennie®. The subsidies can significantly lower the cost of your health insurance.

Who in Pennsylvania can sign up for a health plan?

All Pennsylvanians can shop for a plan, whether you are shopping through the UPMC Health Plan Marketplace or are already covered through Pennie®. If you have access to affordable employer-based coverage, you may not be eligible for financial assistance through enhanced subsidies.

I bought a plan on the UPMC Health Plan Marketplace, what if I switch to a plan offered on Pennie?

If you purchased coverage directly through UPMC Health Plan and switch to a UPMC Advantage or UPMC VirtualCare plan offered on Pennie, the out-of-pocket expenses you may have already spent in deductibles and co-insurance will carry over from your prior UPMC Advantage or UPMC VirtualCare coverage and count toward your new plan for the remainder of the plan year.

Who in Pennsylvania can sign up for a health plan?

All Pennsylvanians can shop for a plan, whether you are shopping through the UPMC Health Plan Marketplace or are already covered through Pennie. If you have access to affordable employer-based coverage, you may not be eligible for financial assistance through ARP.

I bought a plan on the UPMC Health Plan Marketplace, what if I switch to a plan offered on Pennie?

If you purchased coverage directly through UPMC Health Plan and switch to a UPMC Advantage or UPMC VirtualCare plan offered on Pennie, the out-of-pocket expenses you may have already spent in deductibles and co-insurance will carry over from your prior UPMC Advantage or UPMC VirtualCare coverage and count toward your new plan for the remainder of the plan year.

When can I sign up?

Open Enrollment is Nov. 1, 2022, through Jan. 15, 2023.

Finding a health insurance plan can be confusing. See how much you could save!

Rescue Plan Example1

Example 1


Single, 40 years old, nonsmoking Pennsylvania resident, $19,140 annual income (150% federal poverty level)2

  • Before ARP:
    Monthly premium — $66 ($792/year) Premium as a percent of income — 4.11%
  • Under ARP:
    Monthly premium — $0.62 ($7.44/year) Percent of income — .04%

Total savings = $65.38; $784.56/year

Rescue Plan Example2

Example 2


Family of 4, nonsmoking Pennsylvania residents, $52,400 annual income (200% federal poverty level)

  • Before ARP:
    Monthly premium — $285 ($3,420/year) Premium as a percent of income — 6.53%
  • Under ARP:
    Monthly premium — $87 ($1,044/year) Percent of income — 1.99%

Total savings = $198/month; $2,376/year

1 Other eligibility criteria, such as access to employer-sponsored insurance (ESI) that meets affordability standards, have not changed. Those with an offer of ESI that meets these criteria will remain ineligible for financial assistance through Pennie.

2 Based on the cost of the benchmark plan (second-lowest cost silver plan) offered. Customers enrolling in a plan from a different metal tier may have different out-of-pocket premium costs.

Want to learn more? We are here to help you. Call us at 1-833-776-4540 (TTY: 711)

Visit pennie.com to see answers to other questions.

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