Will the insurers have a direct pathway to enrollments just like the FFM now? October 09, 2020 02:53 Updated There will be no direct enrollment or enhanced direct enrollment (DE/EDE). Related articles How do the advanced premium tax credits work with Pennie? The FFM is tax credits through the federal side. How are the tax credits paid through Pennie? Who are the insurance companies working with Pennie? Can't find your answer? Find local assistance or contact us.