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Enhanced Subsidies

Get access to low-cost health care coverage through enhanced subsidies

What is the American Rescue Plan?

The American Rescue Plan (ARP) is a law signed by President Biden on March 11, 2021 that includes federal funding to help individuals and families get low-cost health care coverage on the Marketplace.

How can ARP help?1

ARP provides savings that can significantly lower the cost of your health care coverage. If you previously received financial help to lower the cost of your insurance, you might be eligible for more aid. If you didn’t qualify for help before because your income was too high, you may qualify under ARP. Get an idea of what your payments could be with our savings calculator.

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 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 coverage and count toward your new plan for the remainder of the plan year.

How long will these savings be available?

The reduced premiums under the ARP are available for all of 2021 and all of 2022. The sooner you act, the sooner you may be able to save!

When can I sign up?

Open Enrollment is Nov. 1, 2021, through Jan. 1, 2022.

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.

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