Individual & Family Health Coverage

Let Us Guide You Through the Complexities of the Affordable Care Act on Pennie.com

Navigating the Affordable Care Act (ACA) is tricky!  We have fourteen years experience with individual and family health insurance in greater Philadelphia and New Jersey.  We are experts on Pennsylvania’s state insurance exchange, Pennie.com, as well as, New Jersey’s, Get Covered NJ state exchange and will guide you through the complexities.   

Here are some key points:

• All pre-existing​ health issues will be covered with Affordable Care Act Plans.
• No health history questions will be asked at time of application.
• Pricing is based on age, whether or not you smoke, and your plan choice.
• Your family’s estimated Year 2023 “Modified Adjusted Gross Income” determines whether or not you might receive a monthly discount known as a “tax credit subsidy.” 

 John Barbati and Robert Adair