Everyone needs health insurance, even if you're young and healthy.

The Health Insurance Marketplace provides you with several options that put you in control of your coverage and care.

If you are under 26 you are able to stay on your parents plan.  You are able to stay on your parents plan if you are at school, unemployed, living on your own, or even eligible for your employers plan.

Once you turn 26, you are no longer able to stay on your parents plan.  Thankfully, you can sign up for insurance through the marketplace if you cannot get insurance through your. employer.  When you are applying for coverage through the marketplace, you can navigate through different types of plans and learn what plan is right for you.  You’ll also find out if you qualify for free or low-cost coverage available through Medicaid or the Children's Health Insurance Program (CHIP).

If you are under 30, you can most likely qualify for catastrophic plans.  These “catastrophic” plans usually have lower premiums and protect you from worst-case scenarios. In the Marketplace, catastrophic plans cover 3 doctor visits per year at no cost and free preventive benefits.

Are you ready for open enrollment this year?  New Jersey's open enrollment period is November 1st, 2018- December 15th, 2018.


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. 





Posted 10:00 AM

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