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  1. Apply for your personalized plan in 60 seconds. Your time matters – so we made it fast to get started. BTW it’s a soft inquiry, so it won’t affect your credit score. Meet Pennie. We offer income-based financial solutions to consolidate your debt and lower your interest rates.

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      At Pennie, we believe in people. Our team is comprised of...

    • About Us

      Pennie is a premier provider of consumer financial services....

    • Whose Income to Include in Your Estimate
    • What Income Is Counted
    • Reporting Changes

    For most people, a household consists of the tax filer, their spouse if they have one, and their tax dependents, including those who are not applying for coverage.

    Pennie uses an income number called modified adjusted gross income (MAGI)to determine eligibility for financial assistance. The chart below shows common types of income and whether they count as part of MAGI. If you expect income types not shown or have additional questions, see details on what the IRS counts as income.

    If your income changes during the year, make sure to update your Pennie application to ensure you continue to receive the right amount of financial assistance. See the “What should I do if I experience a change in income or another change in circumstance during the year?’FAQ for additional information.

  2. Go to pennie.com, click Get Covered, and submit a new Pennie application. If you qualify, a Special Enrollment Period (SEP) will automatically open! Once the SEP opens, you will have 60-days to enroll in a plan through Pennie.

  3. Flex Consolidation Loan - Pennie. The Flex Loan Program is the first consolidation loan offered to individuals based on their ability to pay, not their credit score. Flex loans available from $1,000 to $50,000. Lowest interest rates in the market. No credit score evaluation.

  4. Nov 6, 2023 · With Pennie®...you don’t have to go it alone! You can get personalized help from one of our Pennie-certified professionals. You can choose from a Pennsylvania-licensed insurance broker or Pennsylvania-certified enrollment assister in your area.

  5. Jun 18, 2024 · Pennie helps you find and enroll in health coverage that works for you. You may qualify for financial assistance to lower your monthly premium and/or out-of-pocket costs.

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  7. If you qualify for financial savings, Pennie can help lower your monthly premium and/or out-of-pocket costs in two ways: Advance Premium Tax Credits (APTC) and Cost-Sharing Reductions (CSR).

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