What role does Pennie serve in relation to the Affordable Care Act?

Pennie serves as a platform through which individuals can access insurance plans, which aligns directly with its role under the Affordable Care Act (ACA). The ACA aimed to increase the availability and affordability of health insurance for individuals and families, and state-based marketplaces like Pennie are integral to achieving this goal. Pennie allows consumers to compare health plans, determine eligibility for subsidies, and enroll in coverage that fits their needs.

The other options do not accurately reflect the functions of Pennie. While Pennie operates within the regulatory framework set forth by the ACA, it does not act as a regulatory body for healthcare providers, which is typically the role of state insurance departments or other regulatory agencies. Additionally, Pennie does not eliminate the need for health coverage; it provides access to options for coverage, helping ensure individuals can obtain necessary health insurance. Lastly, while some marketplaces may facilitate Medicare enrollment, Pennie primarily focuses on offering plans for individuals and families under the ACA, thus not exclusively concentrating on Medicare.