2018 Open Enrollment is quickly approaching, so it is time to start planning ahead and getting your ducks in a row. The health insurance marketplace is having a shorter enrollment this year, starting November 1 and ending December 15, a total of 45 days.This article is focused on individual and family health insurance plans and what they need to do in order to get health insurance of their own.

1. Ask Your Employer if they offer health insurance as a benefit
If your employers does not utilize the SHOP, Small Business Health Options Program, then its best to get coverage from a health insurance agency. 

2. Make a list of questions before it is time to choose your health plan.
Before choosing your health insurance plan. Make a list of questions of what you want to know so you can pick the best plan for yourself. Do you want to choose your own doctor? What type of coverage do you want?

3. Gather your household income information.
Gather your most recent W-2, pay stubs, or tax return because you may qualify for tax credits to save money on your family size and income.

4. Set your budget
Decide how much you can afford to spend on premiums. You need to think about your healthcare needs and see how much health coverage you would need.

Cosmo Insurance Agency can help you with each of these steps. If you have any questions about choosing your health insurance plan, give Cosmo Insurance a call at 732-363-3888. Not only that, but you can choose your own doctor through our carriers' doctor search located on our website. Cosmo's experienced and knowledgeable team will help you figure out which health insurance plan you need.

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