Would I contact the FFM or Pennie if a client needs a SEP 12/1/2020 effective date? October 09, 2020 11:56 Updated Customers with access to a SEP with a 12/1/2020 effective date should be referred to the FFM on healthcare.gov to complete the application and enrollment process. Related articles Can we do off-exchange enrollments on Pennie? How will 11/1 & 12/1 SEP’s done on FFM work to transfer the info to Pennie? Will income ranges for APTC be different? If I sell commercial and auto insurance at my agency will that interfere with me using Pennie? Will Pennie have direct access to information from CHIP and PA State Medicaid for verifications or will we still need to obtain that info from the customer? Can't find your answer? Find local assistance or contact us.