Everything You Need to Know About Health Insurance Open Enrollment & 2026 Benefits - Cosmo Insurance

Wow guys, it's a busy Sunday afternoon over here at Cosmo Insurance. Mark, >> yes, it's health insurance happening open Rome. I'm sure a lot of you are aware that what's going on here. It's deep into fourth quarter and we got open enrollment season going. It's a Sunday afternoon. People are calling. We're open Sunday. Yes, we are. We got the cover for you anytime and everywhere. We got you covered. >> By the way, Mark, last year we did it. We did it pretty late. It was only two weeks before the deadline. People like missed the deadline. >> When I call you when I call you to come last year, you come like always late. So, I figured this year, let's, you know, let's make sure we get it before the season cuz last year was so many complaints that we got after the video. Why didn't you do the video before? We should have known before what's going on. So, we decided to do it this year, December 1st, so that we got in time for people to make the right decision. >> Mark, let me ask you a question. You know, in today's the busy world, people don't like to send a voice note. Do you work with WhatsApp like even that a person can just WhatsApp you a voice note the count the family count and the income they make a year and you can just shoot them out a few plans with under 30 seconds we got you covered. So just a simple WhatsApp voice note just send us a text your family size what insurance you want what do you got and we got it all for you. So here's an example that going on on our screen right now. So for example we have a family of six which means a parent and four kids. So, they're going to be paying as low as $192 a month. How is that possible? It's not even heard of no one even heard of these numbers. So, of course, it's based off your income. So, just provide us your income. If it's $160,000 a year, which is true numbers, by the way, $160,000 a year, you are eligible to pay $192 a month. So, all this buzz and everything, a family should pay $500 a month or whatever it is, it's significantly less. >> What's that, Oscar? I see the different plan. 292 see one second. Why isn't Merry Health 368 then over there? It's 192. So at Cosmo Insurance, we show you all options available out there. Not just one, not just two, not just three, lots of other options be beyond what you're seeing over here. So in the individual market, it depends on your hospital. There's a lot of buzz talking about the doctors dropping out of Horizon Blue Shield. What plan am I going to go to if if my doctors are dropping out? Well, you have those options over here. We got Oscar and we actually have an Oscar plan that's comparable to BlueCut Blue Shield for those that are pregnant or whatever the case is specifically for that scenario. will provide the exact option that suits your specific needs for the year. >> And Brian, we have a question from one of our WhatsApp teams over here that's came in actually just now regarding a shared plan. What's going on over there? >> So, the guy wants to know if he's on a shared plan and something happened >> in the middle of the year. >> In the middle of the year, is he able to come to Osmo Insurance and get covered? >> So, during the year, if you are on any of those shared plans, you cannot leave that plan. You could ex the plan which means terminate the plan in the middle of the year but you can't come through us because there's no qualifying events which means the deadline is December 31st for January 1st effective date but beyond that you'll have to wait the 2027 to roll in the plan. That's how important it is to make the right decision to get the real insurance out there and it's called insurance. You cannot change in the middle unless you have a QLE which is a qualifying life event that you're going to lose insurance or you get thrown off your parents plan which is like losing insurance or you lose Medicaid. That's where you can change the middle of the year. Otherwise, you got to make the decision now to get that real insurance plan. There's a lot of buzz about real or fake or whatever it is. This is real insurance that backed by Department of Banking Insurance. And Brian, before we finish up, I want to talk about businesses. The oldest businesses, they got small businesses, midsize, and super large businesses. So, we're going to discuss. I was actually on the phone with a client just this morning. Ant boiler. Of course, they gave permission to be on the video over here. Now, they got an increase of 96%. That was the increase with eary health insurance but we got them with Oxford negative 42% not to the renewal but to the current 46% 51% the savings goes on and on and on and of course better health insurance as you can see here this NA stands for no deductible which means no deductible plan. So Frank let's let's take it over here. How does the plan work with United Healthcare? No deductible. You need a minimum of five enrolled plus enrolled and we get you on these plans with no deductible. The co-pays we'll go into details when you give us a call. So all you got to do is just give us a call to find out if you have a minimum fine role goes through underwriting. United Healthcare, Horizon, Etna, Sigma, you name the list goes on and on. >> Let me ask you a question, Mark. When should a a person when should somebody ask their boss to go on their plan or when should somebody just go by the visual? >> Definitely. Once you have one person that's interested in the company, that's when you go on the plan. Frank, great question because now open is not just for individual but for businesses as well. So if you have one out of 40 employees, we're able to get you a health insurance plan tomorrow. But when it gets really competitive, for example, what I just showed you on the board here, that's when you have five plus enrolled. So if you're able to get five plus employees enrolled, that's when the competual plans >> definitely better than individual plans. But individuals are subsidy. So you know, you're mixing trulig over here. There's a lot going on. So with that, you know, that's why you got to keep it separate to see what suits your needs. And that's why when you call us, you're going to talk to our receptionist that's going to guide you and tell you, okay, you're an individual, you're a business, you suit over here, and we'll get you the right department to get you the perfect health insurance plan that will suit your specific needs. So definitely give us a call 732-363 3888. And of course, WhatsApp, same phone number. I don't know why people have different phone numbers for WhatsApp. We just have the same phone number. And a friend, I really appreciate it and looking forward to servicing all of New Jersey residents and beyond nationwide as we all nationwide coverage is on your side. So let's get going. >> You also do New York. New York. We do for businesses but not for individuals. Great. That was an important question. >> And uh you have a website. >> Website of course. Cosmos.com. Creative solutions unparalleled services. >> Thank you so much. Thank you.