GET HELP

Get Help with Health Insurance!

Uninsured? Need to change your plan? Not sure what your options are? PHAN can help!

As a nonprofit, we provide free assistance in understanding, applying for, and enrolling in health coverage, as well as troubleshooting problems.

To get help, call PHAN’s helpline at (877) 570-3642 or fill out the form below: 

Frequently Asked Questions

What healthcare coverage am I eligible for?

If you don’t get health insurance through your employer, you may qualify for one of the following health insurance programs. Find out more here.

How do I apply for coverage?

There are different ways to apply for health coverage. Click here to view the websites you can use to apply for health insurance.

What information do I need to apply for coverage?

Click here to see a list of what you’ll need to apply.

What other benefits are available to me?

PHAN can help you find out if you’re eligible for other benefits. Give us a call at our helpline (877-570-3642) for any assistance needs. Click here to see a list of benefits you may qualify for.

What do I do if I have a medical bill, medical debt, a problem with my insurance, or other health insurance issues?

PHAN can help! Call our helpline at 877-570-3642 and we can help you troubleshoot problems with bills or insurance.

This year, Pennsylvania is switching from Healthcare.Gov to Pennie.

What is Pennie?

The Pennsylvania Insurance Exchange (Pennie) is the state’s new website for Pennsylvanians to enroll in health insurance. It does the same thing as Healthcare.gov — so don’t worry. It’s just a different platform for you to enroll with. For the most part, the same plans that you chose from in previous years will still be offered. Read our blog post about Pennie here.

To receive financial assistance you must enroll through Pennie. Anyone who needs health coverage may be eligible for a Pennie health plan, including if you’ve recently lost employment and/or health insurance due to COVID-19.

How to enroll

What if I had a Healthcare.gov plan?

If you were previously enrolled in a health insurance plan through Healthcare.gov, you should receive a PIN number in the mail that will give you access to your new Pennie account and all your information from prior years. Many of the plans that have been offered in previous years will be offered again this year, so you may not have to change doctors. If you want to keep your plan you should be able to do so. Also, financial assistance is still available, and 9 out of 10 Pennsylvanians will qualify.

How to get Financial Assistance

Key dates

  •  Open enrollment goes from November 1st to January 15th

  • For coverage that starts January 1st you must enroll in a plan by December 15th

  • If you enroll after December 15th you will still get coverage but it will not start until February

Here’s some basic information about income eligibility:

You may qualify for Health Choices, Pennsylvania’s Medicaid program, if your yearly income is below:

Single PersonFamily of 2Family of 3Family of 4Family of 5
Below
$17,618/year
Below
$23,794/year
Below
$29,982/year
Below
$36,158/year
Below
$42,346/year

You may qualify for help with your monthly payments and lower out-of-pockets costs through Pennie if your yearly income is below:

Single PersonFamily of 2Family of 3Family of 4Family of 5
Below
$31,225/year
Below
$42,275/year
Below
$53,325/year
Below
$64,375/year
Below
$75,425/year

You may qualify for help with your monthly payments only through Pennie  if your yearly income is below:

Single PersonFamily of 2Family of 3Family of 4Family of 5
Below
$49,960/year
Below
$67,640/year
Below
$85,320/year
Below
$103,000/year
Below
$120,680/year