Valhalla Business Advisors help businesses and individuals navigate options for insurance. Jens and Stuart have unique experience leading health insurance operations in contexts that include general management of retail benefits consulting, general agency distribution, as well as health insurer leadership; This experience enables them to provide important insight to people evaluating options for health insurance and employee benefits. In addition to serving businesses, Valhalla has discovered a niche supporting individuals navigating Pennsylvania’s individual health insurance system, otherwise known as Pennie.

Examples of professional roles held by individual clients Valhalla has supported in the last thirty days include:

• Entrepreneurs
• Realtors
• Ministry personnel
• Food service staff

There is no additional cost to utilize a broker to purchase insurance through Pennie. Brokers are compensated by commissions paid by the insurer(s) chosen. If you are purchasing insurance today through Pennie, you can add a broker to help you without increasing your cost!

---

What is pennie?

Pennie is the official online marketplace made possible by the State of Pennsylvania and the top private insurance companies to provide affordable, high quality health insurance plans to Pennsylvanians. Pennie really is the perfect mix of public and private entities collaborating to create a safe, trusted insurance marketplace.

Pennie website: https://pennie.com/about-pennie/

Pennie aims to increase the number of Pennsylvanians with coverage, regardless of their income. Pennie operates a “no wrong door” policy to ensure those deemed eligible for programs like Medicaid or the Children’s Health Insurance Program (CHIP) are connected to coverage.

Pennie is the only source for financial savings to help lower the cost of coverage and care. 9 out of 10 of customers qualify for financial savings. Qualification is based on income and family composition and Pennie can help customers learn if they qualify.

How do brokers add value to customers?

I have been asked regularly during my career about why clients use insurance brokers. I was curious about how ChatGPT would respond to this prompt; I think this response is fantastic!

Brokers can provide a number of valuable services to customers when it comes to making decisions about individual health insurance. These services can include:

Providing information and education about different health insurance options: Brokers are knowledgeable about the various types of health insurance plans available and can help customers understand the differences between them, including coverage levels, deductibles, copays, and premiums.

Assessing customers' needs and preferences: Brokers can work with customers to assess their individual health care needs and preferences, including their budget and the types of medical services they are likely to need. Based on this assessment, brokers can recommend the most appropriate health insurance plans for customers.

Comparing and contrasting different plans: Brokers can compare and contrast different health insurance plans to help customers make informed decisions. They can provide information about the coverage levels, deductibles, copays, and premiums for different plans and help customers weigh the pros and cons of each option.

Navigating the enrollment process: Brokers can help customers navigate the process of enrolling in a health insurance plan, including completing necessary paperwork and providing guidance on how to enroll through healthcare.gov or a state-based marketplace.

Assisting with claims and other issues: Brokers can also provide ongoing support to customers by helping them understand their coverage and assisting with any claims or other issues that may arise.

Overall, brokers can add value by providing customers with the knowledge, resources, and support they need to make informed decisions about their health insurance options and ensure that they have the coverage they need to meet their healthcare needs.

Health insurance can be confusing so local, expert customer assistance is provided for all Pennsylvanians seeking coverage. Find assistance by visiting the connect page at pennie.com. Valhalla Business Advisors is represented as an approved broker!

Reach out to discuss how Valhalla Business Advisors can help you! Even if you are presently enrolled in a Pennie product, you can add Valhalla Business Advisors as your broker without increasing your costs and add a services through the brokerage relationship!

---

Appendix exhibits

The enrollment in Pennie is broad across the entire state. The details below represent, by County, the enrollments from the 2022 open enrollment period.

One example of services offered by Valhalla during the course of the year can include a review of how to adjust plans based upon Qualifying Life Events. See below.

There are quite a few options available on Pennie, determined in part based upon the home zip-code of the customer. For example, the insurers and choices available in Lehigh County are potentially different from the insurers and choices available in Allegheny County. The following details and insights were published (including numerous criteria) based on the 2022 open enrollment period.