Health insurance plans should NOT be complicated! let's meet Mark Herschlag, CEO of Cosmo Insurance

people think when it comes to buy health insurance it has to be complicated but not when I met the CEO of Cosmo Insurance Agency Mark herlock is your key word because you just messaged me last night how many text messages you're receiving about health insurance so F I think it's really crucial that you came in today so let's get right in and talk about what's going on and complicated I can put you something with FR before we start an espresso coffee is definitely what you're looking for right I'll drink after the video all right so let's do it I guess you have no time for this right so course there's no time for this I think there's only two weeks to open enrollment H say hi to say Hello hello by the way how the rest of his office we can't really introduce to you as we know the your rules and regulations so first of all fryan we just said 2 weeks till open enrolling well it's actually 2 weeks but it's really February 1st you do get an extension of another month so when it comes to individuals where do I turn do I go through my employer do I do go through on my own so well you got to know through your employer are you paying $300 $600 $700 a month for a single your family paying 1,000 2,000 it gets really confusing and you're extremely overwhelmed so where do you where do you go where do you turn by the way by the way still the beginning of the video people should know should they should stay till the end because there is a surprise you told me you have a plan which is as low as $15 a month yeah so surpr usually you're surprised like surprise stakes and I know we're not going to be talking food today but you know today we're going to talk about insurance usually he has like a full platter of different foods going on here and different spreads but all right I think next time we should go out to eat when you do this video not in your off yeah definitely we're going to catch up some dinner after open think tomw is not too far from here is not too far you got um right down the block over here you turn over there is Tom hook and then there's coming a new development there I think Rose what's it called the one one of the new bakeries Rosemary Rosemary there you go we knew it's Rose so let's make some Rosemary out of the health insurance today all right so what we're going to be discussing is really where you should go so that individual should really give us a call Cosmo Insurance why because we're going to show you through the marketplace what your subsidy is going to be take advantage of those subsidies and I'll give you some examples um there is a lot of places that you could go you go on to get covered and you could go to get covered like Obamacare like such kind of a exactly so the Obamacare doesn't really mean anything it's really the subsidies that you're getting so if your premium is let's say $2,000 a month and the government's going to pay $1,500 so therefore you left over with only $500 that's it so um that's really what your subsidies Are For The Individual market so it's really important to know what they are now there's a lot of other programs out there the individuals going to be so overwhelmed and so confused that they're going to have um the Obamacare the exchange my employer there's lots of shared programs out there it's Jewish Shar Muslim share Christian share Catholic share all those they're really confused about I'm just going to give a quick example we had this morning that what my team had told me an example like a typical uh uh family for of six adult with four children they just got kicked big a lot of money they got kicked off of Medicaid and they want to buy insurance what's a lot of money what typical family is now we're getting really into it so family of six let's say for example $155,000 a year um they got kicked off Jersey care so we just had this morning where that one that's $155,000 a year got is paying $470 a month in their premium this is real insurance it's not a shared program it's the real insurance policy so that's a family of six now you asked about individual plans how has work with individuals so when do you usually get kicked off your parents plan age 26 although FR you know that you know you were telling your parents plan to like 18 but we know that this is a already old story with they St until 26 I think the lzx to get married by the 23 24 L get married yeah much much much old than that so maybe now if uh you know they can get married at 26 that should change parents PL at 26 so you know you're making $35,000 a year which is average salary for you know anyone that's still in their household and uh we actually they just said $15 a month so $15 a month is what you're paying for insurance because all those subsidies are paying towards Insurance that's what the government provided so you even get it down to $0 a month with all the subsidies so it's really important for all those personal people out there make sure give us a call Cosmo Insurance Agency just doll the number 732 363388 or they say WhatsApp am I allowed to say this on the video WhatsApp all right so yeah you even WhatsApp us and uh I don't know FR with your rules and regulations I got to be careful so now frme I'm obviously not in the individual Department we have a full team here that's in the visual Department you actually you met them already and uh they're here at night mat shabas Sunday all day we're really working tirelessly so that we could get the whole entire New Jersey out in enrollment so as Mark hlog I'm involved in the businesses obviously you would reach out to we Bei Shane Rebecca wart and any of those girls out there and they have a whole team behind them regarding businesses what's the wow that's going on in businesses today so if you are a business owner and you have five plus employees enrolled I'm sure you've heard of this age banded that means that each employees got their own different rate okay if you have five plus employees enrolled we're a able to get you a competitive quote we're looking at numbers here of about $373 a single and then families as low as $1,100 for an entire family and this is no subs is this is not anything to do with that this is simple business policies five plus employees in worlded plus we're able to get a return your money so FR I think uh We've covered a lot in this maybe short long video I'm not sure what's considered for your crowd over there um hope it wasn't too boring you know that's with all your text messages you're getting out there but uh insurance is really a boring topic especially with your exciting moments that you got going on out there right so um uh I don't know more to spice it up thank you so much I appreciate it