If you’re approaching 26 year sold, you may find yourself in looking for health insurance.
Soon you’ll be on your own. In some cases, the solution for health insurance comes when your employer provides you with coverage. If this is not the case, then you will have to find your own health plan. We get it, it may seem scary and unaffordable. But it’s not that bad! Here are some coverage options you may have:
1. Health Insurance Through Your Job
If you’re working and your employer offers health insurance, you may become eligible for that health insurance when you lose your current insurance. Losing your parent’s coverage qualifies you for a special enrollment period. You’ll have 30-60 days to sign up. Contact your HR Department to learn the next steps to take.
2. Medicaid
Enroll in Affordable Care Act Marketplace. If you’re unemployed or cannot get health insurance through your job, one option is to shop for a plan on your state or federalMarketplace. There are several plans that are available through the ACA Marketplace. If you enroll before losing coverage your plan can start as soon as the first day of the month after you lose coverage. If you enroll after you lose coverage then your plan can start the first day of the month after you pick a plan.
3. Purchase Insurance through a Broker or Agent.
Brokers and agents can help you compare different health insurance plan option and process your enrollment for free and you don’t have to pay any fees.
Insurance coverage can be overwhelming – confusing options and endless paperwork. 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. Give us a call today at 732-363-3888
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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