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oe faqs

Open Enrollment 2022 Frequently Asked Questions

When is an Open Enrollment?

In New Jersey, Open Enrollment for 2022 is from November 1, 2021, to January 31, 2022. Open Enrollment is the only period you can enroll in health insurance unless you have a major life event that qualifies you for a Special Enrollment Period

When do changes made during Open Enrollment go into effect?

If you enroll by December 31, 2021, your coverage will start January 1, 2022. If you enroll in January, your coverage will begin February 1, 2022. The last day to enroll for 2022 coverage is January 31, 2022. 

Are there any new plan offerings for Open Enrollment 2022?

Yes. Ambetter Health Marketplace Insurance is expanding its affordable health insurance offerings to New Jersey. Ambetter from WellCare of New Jersey will be offered in 16 counties, including Essex, Passaic, Bergen, Morris, Union, Hudson, Somerset, Middlesex, Mercer, Monmouth, Burlington, Ocean, Camden, Gloucester, Cumberland, and Atlantic.

Can I drop my COBRA policy during Open Enrollment and enroll in a Marketplace plan instead?

Yes. You can sign up for a plan through the Marketplace if you currently have COBRA, but you will have to drop your COBRA plan when your new Marketplace coverage begins. If you voluntarily drop COBRA or stop paying your premiums after Open Enrollment ends, you will not be eligible for a Special Enrollment Period and will have to wait until the next Open Enrollment period to get health insurance. 

If I have already enrolled in a plan for the new year, can I change my mind and pick a different health plan instead?

You can always make multiple health insurance plan selections during the open enrollment period, as long as you complete the last change by the end of open enrollment. For 2022 coverage, there are two effective dates, so if you want coverage starting January 1, 2022, changes must be made by December 31, 2021. If you want coverage starting February 1, 2022, the last day to make changes is January 31, 2022. 

Is there enrollment assistance available?

Yes. You can receive free help to find a health insurance plan that’s right for you. Cosmo Insurance Agency has trained professionals who can help you with enrollment for free. Call us to speak with a qualified broker or submit a request online, and we can guide you through the application.

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.