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New state-based exchange for 2021 health insurance plans

September 21, 2020

In Pennsylvania, the Federally Facilitated Marketplace (healthcare.gov) is transitioning to a state-based exchange (SBE) for 2021 health insurance plans in the state of Pennsylvania.

Important dates

The enrollment period for 2021 HMO and PPO coverage is November 1, 2020 – January 15, 2021.

Important coverage dates are as follows:

  • December 15, 2020: Enrollment deadline for coverage that starts January 1, 2021.
  • January 15, 2021: Enrollment deadline for coverage that starts February 1, 2021.

Starting November 1, 2020, Pennsylvania residents can purchase commercial health care coverage through the new Pennsylvania state-based exchange, PennieTM.

Pennie replaces the federal marketplace, healthcare.gov. Your patients can now use Pennie to shop for, compare, and buy health insurance. Account information for your patients who have previously used healthcare.gov has been transferred to Pennie to allow for a seamless transition.

How you can help

For patients who are looking for health care, please encourage them to take the following steps:

  1. Visit the Pennie website to compare the price and coverage for different health insurance plans and get a quote.
  2. Apply for coverage.
  3. Pay their first month’s premium.

A frequently asked questions document is also available on the Pennie website to answer questions they may have regarding qualifications, enrollment support, and payment assistance.


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Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association, serving the health insurance needs of Philadelphia and southeastern Pennsylvania.