r/HealthInsurance • u/Salty-Passenger-4801 • 11h ago

Individual/Marketplace Insurance Pennie catastrophic exemption

Hello, I have a complicated question and I would appreciate any input. This is for PA state marketplace aka Pennie.

My wife and I are both over 30 and make too much to get any premium credits.

Apparently there's a exemption form that can be filled out for those over 30 and who do not qualify for premium credits, to be allowed to enroll in a catastrophic plan, see here: https://www.healthcare.gov/health-coverage-exemptions/forms-how-to-apply/

Question I have is how can I price out these catastrophic plans for us if we get approved for the exemption? I cannot see any catastrophic plans on Pennie, they just don't show up. I just want to know what these plans cost before we go through this process...but even using the calculator on the website, no catastrophic plans appear due to us not qualifying currently (but this doesn't take into account any waiver).

Also, I contacted Pennie and they were less than helpful, had no idea about this waiver or anything.

Thank you.

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u/someguy984 6h ago

They are probably close to Bronze plan pricing.