Open Enrollment occurs once a year, usually from November 1 to January 31. It’s typically the only time you can enroll in health insurance coverage unless you have a major life event.
As part of New Jersey’s overall response to the coronavirus pandemic, the state has started a new COVID-19 Special Enrollment Period which allows all eligible New Jerseyans to enroll in a health insurance plan through December 31, 2021.
All eligible individuals can enroll now, and coverage will begin on the first day of the month following their insurance plan selection.
However, specific life-changing events such as pregnancy, the birth of a baby, or adoption also qualify you for a Special Enrollment Period (SEP) and allow you to enroll in coverage with an earlier effective date. Certain life-changing events also allow policyholders to make changes to their current plan.
If you qualify for a SEP, you usually have up to 60 days after the event to enroll or change your plan.
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.
