As a trusted health insurance partner, we want to keep you informed about important developments that could affect your healthcare coverage and monthly costs in the near future.
Pennie, Pennsylvania’s official health insurance marketplace, has announced that many enrollees may experience cost increases in 2026—and we want to make sure you’re prepared.
What’s Happening?
Since 2021, Pennie customers have benefited from enhanced premium tax credits provided through federal legislation. These enhanced credits have made health insurance more affordable for hundreds of thousands of Pennsylvanians—saving over $600 million annually.
However, unless Congress acts, these enhanced subsidies are set to expire at the end of 2025. This means that:
- Most Pennie enrollees will see higher monthly premiums starting in January 2026.
- Households with incomes above approximately $60,000 for individuals or $82,000 for couples may no longer qualify for any premium tax credits at all.
- While some standard tax credits will still be available, they will be less generous than the enhanced version currently in place.
To be clear: there is no impact on 2025 premiums. Your costs for this year remain the same.
How Will Pennie Communicate With You?
To keep you informed, Pennie will begin sending postcards, emails, text messages, and outbound calls throughout 2025. These communications will explain the changes and help you prepare for Open Enrollment in 2026.
The first batch of postcards is being sent out in May 2025 to enrollees who are currently receiving financial savings. More messages will follow throughout the summer and fall.
Stay Informed: Visit Pennie’s Cost Resource Page
Pennie has created a dedicated webpage to help you understand what’s changing and what you can do. Visit: pennie.com/costs
This page answers key questions like:
- What’s changing with my 2026 health insurance costs?
- How will this affect my financial savings?
- What options do I have?
- What is Pennie doing to help?
It also includes a link to a 2026 premium estimator tool, hosted by the Kaiser Family Foundation, so you can preview potential changes based on your income and household size.
Advocacy and Support: We’re Here for You
As your health insurance agent and a member of the National Association of Benefits and Insurance Professionals (NABIP), our teammate Erika is deeply engaged in advocating for your access to affordable health coverage. She has personally submitted her testimony to Congress in support of extending the enhanced premium tax credits—and will continue to fight for policies that protect your health and your wallet.
In the meantime, we encourage you to:
- Open and read all communications from Pennie.
- Reach out to Blue Marsh with any questions.
- Stay connected so you’re ready for 2026 Open Enrollment.
If you’d like to voice your opinion to congress, there are instructions to do so here.
We know this may raise questions or concerns. Please rest assured, we are here to support you through these changes and help you understand your options. Our team will continue to monitor developments closely and will share updates as they become available.
A little more about Blue Marsh Insurance…
When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.
As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
If you’re interested in starting a quote online or having us take a look at your current policies, click here!