When it comes to obtaining health insurance coverage, you’ve got options. Depending on where you are at in life, there are multiple ways to score health insurance.
Stay on your parent’s plan. This is the cheapest option for someone who is under 26. Family plans tend to have more extensive coverage than catastrophic plans, which cover the cost of care in the event of an emergency. Even if you get married, you can stay on your parent's health insurance plan, but your spouse will have to find coverage elsewhere.
Use your student benefits. Many universities offer coverage for students. If you need coverage or are curious about the benefits that your university offers, call you admissions office about how to get coverage.
Get coverage through your employer. Employer-sponsored health insurance is state regulated, which means companies with 50 or more employees must offer health benefits.
Purchase a plan through the marketplace. For individual insurance, plans are available through healthcare.gov or your state’s marketplace.
Contact a broker like Cosmo Insurance to help you choose a plan. They know everything about the health insurance plans on the marketplace.
Enroll in Medicaid. Based on your income, you may be eligible for Medicaid.
Insurance coverage can be overwhelming – confusing options, endless paperwork and tedious legalities.
Cosmo Insurance Agency makes it easy. Our team has mastered every detail of the insurance process and will walk you through the process to the end, so you can be 100% confident when signing on the dotted line.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
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