Community Health Insurance Advisors

❗ Missed Open Enrollment for Get Covered NJ? Here’s What You Can Do:
1. Special Enrollment Period (SEP):
You may qualify for a SEP if you’ve experienced certain life events, such as:

Losing health coverage (e.g., job-based, individual, or student plans)

Changes in household (e.g., marriage, divorce, birth of a child)

Moving to a new residence

Becoming a U.S. citizen or gaining lawful presence

Other qualifying events

Note: You typically have 60 days from the event to enroll.

2. Income-Based SEP:
If your annual income is up to 200% of the Federal Poverty Level ($30,120 for an individual or $62,400 for a family of four in 2025), you may qualify for a SEP and access nearly free health plans throughout the year.

Why Do You Need Health Insurance?

1.Protects You from High Medical Costs
Healthcare can be very expensive. Without insurance, even a short hospital stay or an emergency procedure can cost thousands of dollars. Health insurance helps cover these costs, reducing your financial burden.

2.Access to Preventive Care
Many health plans offer free or low-cost preventive services like vaccinations, screenings, and annual checkups, helping you stay healthy and catch issues early before they become serious.

3.Peace of Mind
Knowing you’re covered if something unexpected happens—like an accident, illness, or chronic condition—can give you peace of mind and help you focus on recovery instead of bills.

4.Legal Requirement & Financial Help
In some places (like several U.S. states), you may face a penalty if you don’t have insurance. Plus, there are government programs and subsidies to help lower the cost of coverage if you qualify.

5.Better Health Outcomes
People with insurance are more likely to seek care when they need it, leading to better long-term health.

Call us today for a free consultation 973-567-6850

Happy Holidays! From the CHIA from to yours ✨✨