Pennie keeps you in the same plan unless you act. Prices, subsidies and plan designs change every year, so last year’s best plan may not be this year’s. Comparing takes twenty minutes and can save you real money. Do it before the enrollment window closes on Jan 15.
Twenty minutes, real numbers. Bring your renewal notice and tell me your expected income for next year. I’ll show you what the same plan costs, what a cheaper Marketplace plan costs and whether a private plan would beat both.
Switch Marketplace plans. A different metal level or carrier can change your premium a lot. Compare deductibles and out-of-pocket maximums, not just the monthly price.
Update your income. Your tax credit is based on your projected income. If yours changed, tell Pennie.
Private, underwritten plan. Priced on your health, not your income. If you’ve lost your subsidy, this is often the one to price.
Short-term bridge. Up to four months in Pennsylvania if timing is tight. Not a place to live.
Three things at renewal. Don’t let it auto-renew. Update your income. Price a private plan if your subsidy shrank or disappeared.
★★★★★ 5.0 · 400+ Google reviews
Is your doctor still in the network? Networks change every year.
Did your drug tier move? Check your prescriptions on the new formulary.
Is the deadline Jan 15? Confirm the 2027 dates on Pennie before you plan around them.
1. Is there a maximum out-of-pocket? 2. Is it an unlimited contract? 3. Is it guaranteed renewable? If a plan uses words like “deductible” and “PPO network,” that doesn’t automatically make it actual health insurance. These three questions do.
Send me an age and a zip code and I’ll send back a general idea of what’s available in your area. Twenty minutes, no charge, no pressure. Happy to answer any and all questions so you can make the most informed decision for you, your family, or your business.
