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IBX Insights

Meet Pennie, the New State-Based Exchange for 2021 Open Enrollment

By October 22, 2020November 22nd, 2021Enrollment Health Insurance
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If you’ve purchased your own individual or family health insurance plan in the past, you may have enrolled through is operated by the federal government. If you’re shopping for a high-quality, affordable health plan during 2021 Open Enrollment, things will look a little different for Pennsylvania residents.

Starting November 1, 2020, the Commonwealth of Pennsylvania will operate a state-based Health Insurance Marketplace called Pennie. will no longer be used by Pennsylvania residents to apply for health care coverage.

Who Should Apply Using Pennie?

If you are eligible for financial assistance (sometimes called a tax credit or subsidy), you will need to enroll on Financial assistance may help cover the cost of what you pay each month (your premium) and what you pay when you get care (member cost-share). See if you may be eligible for financial assistance.

If you are not eligible for financial assistance, you should apply directly with Independence Blue Cross. It will make it easier for you to make updates to your policy, if needed, in the future. You can also contact us directly with any questions.

Did You Enroll on Last Year?

Pennie is working with to automatically renew as many individual and family Independence Blue Cross health plan members as possible into their 2021 plan year coverage. Most members who previously enrolled using will not need to take action to renew their individual or family health plan and will be renewed automatically.

If you purchased coverage in 2020 on, look for a notice from Pennie about whether your health coverage will be renewed automatically or if you need to choose a new health plan at during 2021 Open Enrollment. You will also receive letters from Pennie explaining how to find your 2021 Open Enrollment application information and your updated eligibility for financial assistance.

If you need to make changes to your current 2020 health plan, be sure to contact Keep in mind that any changes you make with may not be reflected on your 2021 Pennie application, so you will need to make sure those changes are also made on

We’re Here to Help

Do you have questions about renewing your Independence Blue Cross health plan? Or maybe you’re wondering how our health plans go above and beyond other carriers. Our licensed agents are available to help! Please contact us at 800-840-5715 (TTY: 711).


Paula Sunshine

Paula Sunshine is senior vice president and chief marketing executive at Independence Blue Cross. She oversees all commercial and consumer marketing activities, including digital assets such as and the IBX mobile app. Ms. Sunshine earned a bachelor of arts degree in mathematics from Emory University and a master of business administration from the Wharton School at the University of Pennsylvania.