With additional subsidies through the American Rescue Plan and Inflation Reduction Act, State-based Marketplaces (SBM) like Pennie in Pennsylvania can be more creative in crafting ways to help consumers access additional cost savings. By increasing premium subsidies for individuals with lower to moderate incomes, marketplace enrollment reached a record high for the 2022 open enrollment period. SBMs typically invest more in marketing, enrollment assistance, and system enhancements for ease of enrollment. In-person enrollment assistance and boots-on-the-ground strategies allow SBMS to pinpoint and access harder-to-reach populations and the uninsured. Pennsylvania has reached a historic low of 5.4% uninsured. Read more about it here.