Certified broker for Pennie and GetCoveredNJ
Marketplace health coverage, with a local broker to guide you.
Insurance Xchange is a certified broker for Pennie in Pennsylvania and GetCoveredNJ in New Jersey. From our office in Northeast Philadelphia, we help individuals and families compare Marketplace plans, find the financial help they qualify for and enroll, at no cost to you.
- Free broker help
- Check your financial help
- Pennsylvania and New Jersey
Prefer to talk? Call (215) 764‑3200, Monday to Friday, 10 AM to 6 PM.
Why enroll in a Marketplace plan with us
Financial help to lower your premium
Federal tax credits lower your monthly premium. Pennie reports that four out of five of its enrollees qualify for savings, and New Jersey adds its own NJ Health Plan Savings for households up to 600% of the poverty level.
Pre-existing conditions are covered
Every Marketplace plan must cover treatment for pre-existing medical conditions.
Essential benefits in every plan
Doctor visits, emergency care, hospital stays, prescriptions, maternity care, mental health, lab work, preventive care and children’s dental and vision.
Free help from a certified broker
We compare plans, check your savings and enroll you, in our office or by phone. Pennie and GetCoveredNJ both offer certified broker help at no cost to you.
Sources: Pennie, NJ Department of Banking and Insurance, GetCoveredNJ, HealthCare.gov.
Start your health application
Tell us about your household and a certified broker will follow up with the Pennie or GetCoveredNJ plans and savings you qualify for. There’s no cost for our help.
Every Marketplace plan covers:
- Doctor visits and outpatient care
- Emergency services and hospital stays
- Prescription drugs
- Pregnancy, maternity and newborn care
- Mental health and substance use care
- Lab work and preventive care
- Children’s dental and vision
Prefer to talk it through? Call (215) 764‑3200, Monday to Friday, 10 AM to 6 PM.
What’s changing for 2027
Federal changes affect prices and who qualifies for help this year. We’ll walk you through what it means for your household.
Sources: Pennie, Pennsylvania Health Law Project.
- Premiums went up for many people. The extra federal tax credits ended in December 2025. The original tax credits are still available, and most enrollees still qualify for some help.
- Update your income. Financial help is based on your expected income. Getting too much help during the year can mean paying some back at tax time.
- Check that your financial help carried over. If you only see full-price plans when you renew, call us and we’ll fix your application.
- Some immigrants lose financial help. Starting January 1, 2027, federal law limits tax credits for some lawfully present immigrants, including refugees and asylees. Call us to check your eligibility before you enroll.
- Lost Medicaid or other coverage? That includes Medical Assistance in Pennsylvania and NJ FamilyCare in New Jersey. You have 60 days to enroll in a Marketplace plan. Don’t wait, or you may have to wait for the next open enrollment.
How enrollment works with us
Tell us about your household
Fill out the health application or call (215) 764‑3200.
We check your savings and compare plans
We look at the financial help you qualify for and compare Marketplace plans side by side.
We enroll you through Pennie or GetCoveredNJ
Pick the plan that fits your needs and budget, and we complete the enrollment with you.
What clients say
I am very grateful to the Insurance Xchange team for their professionalism and willingness to help. My family has been their clients for several years. The employee Yulia is just a real fairy for us – she will always choose the best insurance and help with solving related problems
Viktoria, Google review
After a few quotes and back and forth messages I was happy with the end result and working with Julia was a pleasure all along, very simple and not stressful.
Leonard G., Google review
From my experience working and speaking with Julia, she made everything crystal clear and smooth and I admire her care and transparency. Was a pleasure speaking / meeting with her
Daniel D., Google review
Common questions
Don’t see your question here? Call (215) 764‑3200 or send us a message.
When is open enrollment for 2027 coverage?
Both open on November 1, 2026. In Pennsylvania (Pennie), enrollment runs to January 15, 2027, and you must enroll by December 15 for coverage starting January 1. In New Jersey (GetCoveredNJ), it runs to January 31, 2027, and you must enroll by December 31 for coverage starting January 1.
Does it cost anything to use a broker?
No. Pennie and GetCoveredNJ both offer free help through certified brokers like us, by phone or in person.
Can I get help paying for my plan?
Yes, if you qualify. Federal tax credits through Pennie or GetCoveredNJ lower your monthly premium, and New Jersey residents may also get NJ Health Plan Savings. The amount depends on your household size and expected income. We’ll check what you qualify for.
What if I miss open enrollment?
Certain life events, like losing other coverage including Medicaid, give you 60 days to enroll. Call us as soon as your coverage changes.
Should I review my plan every year?
Yes. Plans, doctor networks and prices change each year, and your financial help is based on your income. We’ll review your coverage with you during open enrollment.
Do you offer other insurance too?
Yes. We also quote auto, homeowners and renters, life and business insurance from several companies. Request a free quote.
Talk to a licensed agent
Call, send a message or stop by 13032 Bustleton Avenue, Unit F, Philadelphia. Open Monday to Friday, 10 AM to 6 PM.