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 Are there any guidelines on brokers charging consulting fees? How will commissions work with the Insurers through Pennie? 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? Will Pennie provide more detailed reporting on current membership by insurer/county on a more frequent basis than CMS does with the FFM? Can't find your answer? Find local assistance or contact us.