When it comes to obtaining health insurance coverage, you’ve got options. Depending on what stage of life you are at, there are multiple ways to obtain 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 your university’s benefits, call your 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, health insurance plans are available through GetCoveredNJ.gov or your state’s marketplace.
Enroll in Medicaid. Based on your income, you may be eligible for Medicaid.
Get started today by calling Cosmo Insurance Agency and speak with a licensed broker to find you affordable health plans.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. 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 our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.