Effective January 1, 2014 under the Patient Protection and Affordable Care Act (ACA) all individuals and their family members are required to obtain health insurance or they may be subject to a tax penalty.

The health plan options listed here are provided to you, as an eligible participant in the University of Pennsylvania benefits program, and to your eligible dependents in accordance with Penn’s obligation under Employer Shared Responsibility provisions of the ACA.

It is important to remember that if you waive your University coverage, you are still responsible for obtaining coverage through some other source, such as a spouse or domestic partner’s plan or your parent’s plan (if you are under age 26); or you can obtain coverage via the Health Insurance Marketplace.

You are required to report to the IRS that you have coverage, whether through the University or some other source. The University has provided you with the required form (1095-C) in time for your tax filing. The 1095-C form will confirm that you were offered the minimum level of coverage each month and whether you elected the coverage or waived this coverage. For questions or to request a copy of your 1095-C, call Equifax at 1-855-823-3728.

Plan Changes as of July 1, 2016

Please take note of the following changes for the 2016–2017 plan year.

PennCare/Personal Choice PPO Plan

The PennCare/Personal Choice PPO plan deductible will increase as of July 1, 2016. Under the PennCare tier, the individual deductible will increase from $125 to $150, and the family deductible will increase from $375 to $450. Under the Personal Choice tier, the individual deductible will increase from $300 to $350, and the family deductible will increase from $900 to $1,050.

Health Care and Dependent Care Flexible Spending Account Website

Penn’s Health Care and Dependent Care Flexible Spending Account (FSA) provider, ADP, moved its FSA administration to a new, enhanced platform on March 17. New debit cards were automatically issued for the participant only. If you need additional cards for your qualified dependents, log on to and select the FlexDirect FSA Manager link from the left menu, then click “Request Duplicate Card.”  The additional debit card will be issued in the dependent’s name. If you have any questions about your account or need additional assistance, contact the Penn Benefits Center at 1-888-PENNBEN (1-888-736-6236).

Dependent Eligibility Change

Effective July 1, 2016, the definition of dependent as related to health plan coverage will change to include only the legally married spouse of an employee, regardless of gender. This means that, as of July 1, no new same-sex domestic partner may be added as a dependent to a Penn health, dental and/or vision plan or dependent life insurance. This will apply whether there is a qualifying life event or if a new employee with a same-sex domestic partner is hired.

Prior to July 1, 2016, a new same-sex domestic partner may be added during Open Enrollment (April 18–29), if there is a qualifying life event, or if  an employee with a same-sex domestic partner is hired.

Same-sex domestic partners enrolled in a Penn health plan prior to July 1, 2016 may remain on the plan for an additional two years, until June 30, 2018. Dependent children of a same-sex domestic partner may remain on the plan for two years as long as they are under age 26.

After June 30, 2018, participants may continue coverage under COBRA or obtain coverage on their own. Participants who are no longer eligible for coverage under the new definition of dependent (i.e., legally married spouse) will be offered COBRA coverage for 36 months.

If you are not legally married to your same-sex domestic partner, you will continue to pay Federal, Social Security, and Medicare taxes on the value of the benefits extended to your partner and his/her children. Penn will continue to provide you with up to $125 per month (minus applicable taxes) through June 30, 2017, to help offset the imputed income tax on the medical plan. After June 30, 2017, the offset will end for those who have not married.

Supplemental Life Insurance

Effective July 1, 2016, supplemental life insurance rates will decrease.  This means you may pay less out of pocket for coverage that you currently have.

Your Contributions

Your contributions for medical, dental, vision, and the flexible spending accounts are made with pre-tax dollars. You pay for employee and dependent life insurance with after-tax dollars. All contributions are taken from your paycheck in the month for which your benefits are effective. Your pay must support your contributions for the benefits elected. If that is not the case, then your enrollment cannot be processed.

Campus Locations To Access the Penn Benefits Website

If you don’t have internet access at home or at work, don’t worry—log on to manage your benefits at one of these convenient locations:

Goldstein Undergraduate Study Center
3420 Walnut Street (ground level of Van Pelt Dietrich Library)
Monday–Thursday: 24 hours daily
Friday: closes 12 midnight
Saturday: 10am–2am
Sunday: opens 10am

Human Resources
3401 Walnut Street
5th Floor
Monday–Friday: 8:30am–5pm

Unique Advantage
3624 Market Street
Suite 1SD
Monday–Friday: 8am–5pm

Are You Newly Eligible for Benefits or Have You Experienced a Qualifying Event?

If you’re newly eligible for benefits or you experience a qualifying life event between now and June 30, 2016, you’ll need to enroll twice: once to elect or change your benefits for the current plan year (through June 30, 2016), and then again to elect your coverage for the 2016-2017 plan year (starting July 1, 2016).

For More Information:

Questions? Contact the Penn Benefits Center: 1-888-PENNBEN (1-888-736-6236).