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Individual Under 65

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Individual Under 65 Health Insurance

Not familiar with buying health insurance? No problem. Let Straub Insurance and help to get you the right coverage.

Pennie and Straub Insurance can link you to the additional financial assistance from the American Rescue Plan to lower your monthly payment and/or out-of-pocket expenses.

Essential Health Benefits

Marketplace coverage comes with 10 essential health benefits with no lifetime or annual dollar coverage limits.

Plans must provide coverage for these products and services:

Ambulatory patient services

Prescription drugs

Emergency services

Laboratory services


Maternity and newborn care

Preventive and wellness services and chronic disease management

Mental health and substance use disorder services, including behavioral health treatment

Pediatric services, including oral and vision care.

Access To Coverage

Before you select your plan, it is important to determine if you are eligible for financial assistance. Depending on your income and family size, you may qualify for federal help.

Through Pennie you may be eligible for the following:

Premium tax credits: These can help you pay your monthly bill.

Cost-sharing reductions: These can lower your out-of-pocket expenses when you go to a doctor or hospital.*

Many people are eligible for financial assistance. Straub Insurance will help you find out if you might qualify.

*Coverages may not be applicable to all carriers


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St. Marys, PA

201 John Street, St. Marys, PA

Emporium, PA

318 E. Fourth St. Emporium, PA

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