Less than 30 years old?
To see Catastrophic Plans and compare them with other Pennie plans, you must complete your application for health coverage on pennie.com or by calling Pennie at 844-844-8040.
Once you have completed your Pennie application you can enter plan shopping and compare Catastrophic Plans with other plans that Pennie offers.
While Catastrophic Plans may feature lower monthly costs (premiums), keep in mind that you will pay more for health care services with these plans than other Pennie plans. Also, you cannot receive financial savings (Advanced Premium Tax Credits & Cost Sharing Reductions) through Pennie if you choose to enroll in a Catastrophic Plan.
30 years or older?
You will need one of the following to shop for a Catastrophic plan:
- Hardship Exemption; or
- Financial Exemption
To see Catastrophic Plans with other Pennie plans so that you can decide what health plan is right for you and your family you must:
- Visit Healthcare.gov for instructions on how to complete & submit the correct Exemption Form.
- Wait until you receive your Exemption Certification Number (ECN) from Healthcare.gov (normally sent by postal mail).
- Return to your Pennie application and include your Exemption Certification Number (ECN) on your Pennie Application by following the following steps.
- Click “Shop for Plans” from your Pennie Dashboard.
- Click the box “Does your family qualify for a hardship exemption?” followed by the boxes indicating who in your household is seeking coverage.
- Enter the ECN Number sent to you by Healthcare.gov as shown below in the in the “Hardship Exemption Number” Column.
For additional help and support you can speak with Pennie Customer Service at 844-844-8040.