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View the latest blog posts from Cosmo Insurance Agency.

Horizon Blue Cross Blue Shield of New Jersey is mailing Form 1095-B to members who bought coverage directly from Horizon BCBSNJ (and not through the Exchange [the federal Marketplace at]), and to members who have Horizon BCBSNJ coverage through an employer-sponsored fully insured health plan. READ MORE >>

Looking to get fit this year? Get started with an easy, no-equipment workout from Jennifer Menzer, fitness expert and founder of Essential Nutrition and Fitness in Boston. You’ll combine light cardio moves with strength training for a full-body workout you can do anywhere. READ MORE >>

Governor JB Pritzker of Illinois states, “Health care is a right for all, not a privilege and that is why I am so proud that we created an insulin price cap that successfully puts patients above profit. READ MORE >>

Aaron Wieder - 5 Steps Towards a Better Company Culture    Do your employees enjoy working for you?   We are born into a society that tells us we have to work to provide for our basic needs and to grow as an individual. According to Maslow’s hierarchy of needs, people need food, water, and shelter. READ MORE >>

Here are some simple steps to get organized now so you can get the most of your health insurance plan across 2020: 1. Get Connected. There are several ways to easily check your health plan information and do so much more. READ MORE >>

5 Things to Know About Fighting NJ Flu Outbreak  1. The flu in spreading quickly. According to the Center for Disease Control and Prevention (CDC) (, 25 states are now reporting elevated levels of flu activity. READ MORE >>

In the spending bill passed into law on December 20, 2019, the employer tax credit for paid family and medical leave was extended for one additional year. This tax credit was created under the Tax Cuts and Jobs Act of 2017 and was initially available for 2018 and 2019 only. READ MORE >>

The Taxpayer Certainty and Disaster Tax Relief Act of 2019 was signed into law on December 20, 2019. The law repeals a provision under the Tax Cuts and Jobs Act that required tax-exempt organizations to include their costs for providing qualified transportation fringe benefits to employees in unrelated business income. READ MORE >>

Guaranteed Whole Life offers clients options that support retirement income goals. For example, Penn Mutual is one of the only companies to offer an Overloan Protection Benefit Rider on its whole life product to ensure the policy will remain in force as a reduced paid-up policy should an outstanding loan cause the loan-to-surrender value to exceed 99%. READ MORE >>

On December 16, 2019, the Wage and Hour Division of the U.S. Department of Labor (DOL) published final regulations on “regular rate of pay” for overtime pay purposes under the Fair Labor Standards Act (“FLSA”). READ MORE >>

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