Individual plan: 18 y/o
Family plan: 0 y/o
Medicare: 65 y/o
At Policy Shopper, we understand that your health is your most valuable asset. That's why we're here to guide you through the complex world of health insurance, ensuring you have the coverage you need when you need it most. Our mission is simple: to provide you with the peace of mind that comes from knowing you and your loved ones are protected by the right health insurance policy.
Hope for the Best,
Prepare for the Worst
Whether you're looking for coverage for yourself, your family, or your business, we're here to guide you every step of the way. Let us help you find the right health insurance plan that fits your lifestyle and protects your well-being. Get started today!
Individual & Family Plans
Employer-Sponsored Plans
Medicaid & NJ FamilyCare
Medicare
Marketplace Plans
Comprehensive Coverage
At Policy Shopper, we're committed to simplifying your health insurance journey. Whether you're looking for coverage for yourself, your family, or your business, we're here to guide you every step of the way. Let us help you find the right health insurance plan that fits your lifestyle and protects your well-being. Get started today!
Customizable coverage for you and your loved ones' unique needs.
Balanced options from employers, combining coverage and affordability.
State programs for essential healthcare services for low-income individuals.
Federal coverage for seniors (65+) and some disabilities.
Explore and purchase insurance plans that may offer subsidies based on income.
By providing health insurance options based on different age groups, we ensure that everyone can find a plan that suits their stage of life and healthcare needs. Whether you're just starting out, raising a family, entering retirement, or any other life stage, we're here to help you secure the right health insurance coverage.
We tailor individual health insurance plans to meet the needs of young adults and beyond.
Minimum Age: 18 years
If you're at least 18 years old, you can explore a variety of health insurance options that provide essential coverage for your health and well-being.
Whether you're a parent looking to protect your family's health or an individual seeking comprehensive coverage, we can help you get covered.
Minimum Age for Dependent Coverage: 0 years (newborn)
Family health insurance plans offer coverage for individuals of all ages, starting from newborns.
Our team can help guide you through the process of enrolling in Medicare and understanding its different parts.
Minimum Age for Medicare Eligibility: 65 years
If you're entering your retirement years or have certain disabilities, Medicare becomes available to you at age 65.
If you're a student pursuing higher education, we offer health insurance plans tailored to the unique needs of young adults.
Minimum Age for Student Health Plans: Varies (usually 17-18 years for college/university enrollment)
These plans often provide coverage for students from the time they start college or university.
Many employers offer health insurance benefits to their employees.
Minimum Age for Employer-Sponsored Plans: Varies by employer
The minimum age for enrollment in employer-sponsored plans varies based on the policies of the specific company you work for.
Health insurance plans can include maternity coverage for individuals planning to start or expand their families
Minimum Age for Maternity Coverage: Varies (typically for adults of reproductive age)
These plans often cater to adults within a specific age range.
NJ Requirements
The minimum coverage requirements for health insurance in New Jersey are designed to ensure that individuals have access to a comprehensive range of essential healthcare services.
By adhering to these minimum legal requirements, health insurance plans in New Jersey provide individuals and families with a safety net against unexpected medical expenses. This ensures that everyone has access to quality healthcare services and promotes overall public health and well-being. These requirements include:
Essential Health Benefits
Health insurance plans in New Jersey are required to provide coverage for a set of essential health benefits. These benefits encompass a broad range of services, including preventive care, prescription drugs, emergency services, hospitalization, mental health and substance use disorder services, maternity and newborn care, and more. This ensures that individuals have access to necessary medical care without facing significant financial burdens.
Preventative Services
Preventive services are a crucial aspect of healthcare, as they help identify and address potential health issues early on. Health insurance plans in New Jersey must cover a range of preventive services without charging copayments, coinsurance, or deductibles. This includes vaccinations, screenings, and wellness visits.
No Pre-existing Condition Exclusions
Health insurance plans cannot deny coverage or charge higher premiums based on pre-existing conditions. This protection ensures that individuals with chronic illnesses or medical histories can still access the healthcare they need.
Out-of-Pocket Maximums
There are limits to how much individuals and families have to pay out of their own pockets in a given year. Once these out-of-pocket maximums are reached, the insurance plan covers all further eligible expenses for the remainder of the year.
IRS Announces 2024 ACA Affordability Indexed AmountThe IRS recently announced in
New Proposed MHPAEA Guidance Released The Departments of Labor (“DOL”), Health
Plans Encouraged to Extend Special Enrollment for Medicaid and Chip On
Proposed Rule Addresses Variety of Health Plans Arrangements On July 7,
2024 Inflation Adjusted Amounts for HSAs The IRS released the inflation
Navigating the realm of health insurance can be overwhelming, with a multitude of options and terms to understand. Our team of experienced professionals knows the ins and outs of the health insurance landscape in New Jersey. We're here to answer your questions and provide you with personalized guidance.
Health insurance isn't a one-size-fits-all endeavor. Your needs are unique, and so should be your coverage. We take the time to understand your specific situation, preferences, and priorities. Our platform then matches you with a tailored selection of health insurance plans that align with your requirements.
We've partnered with a diverse range of reputable health insurance providers across New Jersey to ensure you have access to a comprehensive selection of plans. This means you can compare prices, benefits, and coverage options all in one place.
FAQ
Health insurance is a contract between you and an insurance company that helps cover the cost of your medical expenses. It provides financial protection in case you need medical care, ensuring you can access quality healthcare without incurring massive out-of-pocket expenses.
We have a team of experienced professionals who analyze your specific needs, including your budget, preferred doctors, and coverage requirements. Using this information, we compare and recommend health insurance plans tailored to your unique situation, making the selection process easier and more efficient.
Yes, our goal is to find health insurance plans that allow you to keep your current healthcare providers. We prioritize plans that include your preferred doctors, hospitals, and medical facilities to ensure continuity of care.
Yes, there are various types of health insurance plans, such as Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Exclusive Provider Organizations (EPOs). Each type has its own features and cost structures. We will help you understand the differences and choose the one that best suits your needs.
Several factors impact the cost of health insurance premiums, including your age, location, family size, and the level of coverage you select. We will work with you to find a plan that balances your coverage needs with your budget.
No, our services are provided to you at no additional cost. We receive commissions from insurance companies, but this doesn't affect the price of your insurance premium. In fact, our expertise often helps you find cost-effective plans that you might not discover on your own.
Speak with insurance experts and ask questions before finalizing your plans or if you want help regarding our services. Our dedicated staff is more than happy to call and guide you