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understanding insurance

Guide on How Health Insurance Works

Picking a health care plan can be intimidating. There’s a lot to get up to speed on between the unfamiliar terms, mysterious acronyms, health savings accounts, and optional coverage. Wouldn’t it be great if

individual health plan

Individual Health Insurance Open Enrollment 2021

“Open Enrollment” is basically a household word now, but there is still lots of confusion, especially this year with all the changes going on. Here’s a recap of why the next two months are

cosmo website

Health Insurance Rates for 2021

Are you looking for health insurance? Every year around this time, individuals and families can select their healthcare coverage options for the following year. Here are some of the most popular plans for 2021.

oe indivdual vs group

Open Enrollment: Individual Insurance vs Group Insurance

How does group insurance and individual insurance fit in to open enrollment? We often get clients who are confused about what qualifies as group insurance and individual insurance.  We at Cosmo Insurance have extensive knowledge on the

business open enrollment

Special Enrollment Period for Businesses

Are you a business owner looking for health insurance but could never enroll because of participation requirements? No worries; your group qualifies for a Special Enrollment Period (SEP)! Yes, you read that, correct! Open

Special Enrollment Period

Do I Qualify for a Special Enrollment Period?

Special Enrollment Period (SEP) is a time outside the yearly Open Enrollment Period when you can either modify your current plan or enroll in a new one. There are a few requirements that allow

Open Enrollment

NJ New Marketplace for Open Enrollment

Cosmo Insurance Agency will be on the Get Covered NJ exchange. Get covered NJ is New Jersey’s new marketplace. If you are covered through healthcare.gov don’t worry you will automatically be moved over. However,

Agent vs Broker

Health Insurance Agent vs Broker

We’ve all the terms health insurance broker and health insurance agent but what’s the difference? Both are trained insurance professional who can help you enroll in a health insurance plan. However, agents only work

open enrollment begins

What You Should Do Before Open Enrollment

Open enrollment is coming! November 1st marks the beginning of New Jersey’s open enrollment period. Cosmo is here to help you know what you need to so before joining a plan. Before open enrollment

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2024