KBenefits Insurance Services
Insurance - Medicare - Retirement

Individual Health Insurance
On and Off Exchange Health Plans - New Jersey

 

Individual Health Insurance
Compare multiple insurance quotes from the major insurance carriers!   Whether you're self-employed, transitioning from old job, or just need health coverage because your employer doesn't offer it, we offer cost-effective choices for individuals and families.  Choosing the right health insurance for you and your family is an important decision.  

 

We work with all the major insurance carriers to find you the plan that is right for you.  KBenefits is free, no charge broker service.   Contact us to get individual health insurance rates.

 

Open Enrollment
Open Enrollment begins
Nov 1st and ends December 15th for plans starting January 1st.   At this time, you can renew your plan, compare plans and change plans or insurance carriers.

Once Open Enrollment closes,  you can only enroll  if you have a Qualifying Event known as a Special Election Period, SEP.  Please contact me to discuss eligiblity.  

 


 

On & Off Exchange Healthcare Marketplace, what's the difference?

Off-Exchange Market:   Enrolling an an Individual health plan without financial assistance from the govt.  Healthcare.gov is not required to enroll in an Off-Exchange health plan.
 

On-Exchange Market:   Also known as Obamacare.  Depending on your household and income, you may be eligiblle for financial assistance from the govt.  If eligible, enrolling in a Silver health plan can enhance your benefits and lower your out-of-pocket expenses.  Healthcare.gov is required to enroll.  KBenefits is a licensed health.gov broker.

 

 

2019 Horizon BCBS health plans
2019 Horizon BCBS health plans - pdf.pdf
Adobe Acrobat document [175.5 KB]
2019 Horizon BCBS rates
2019 Horizon OMNIA rates.pdf
Adobe Acrobat document [450.3 KB]
2019 - Horizon BCBS Enrollment Form
2019 - Horizon Ind App.pdf
Adobe Acrobat document [1.2 MB]
2019 Amerihealth Plans
2019 - Amerihealth plans - pdf.pdf
Adobe Acrobat document [215.6 KB]
2019 - Amerihealth rates
2019 - Amerihealth rates - pdf.pdf
Adobe Acrobat document [478.4 KB]
2019 - Amerihealth Enrollment Form
2019-AH Enrollment-Form.pdf
Adobe Acrobat document [562.9 KB]
2019 - Oscar Insurance
2019 - Oscar plans-pdf.pdf
Adobe Acrobat document [158.9 KB]
2019 - Oscar Insurance rates
2019 - Oscar rates.pdf
Adobe Acrobat document [213.3 KB]
2019 - Oscar Enrollment Form
2019 - Oscar Enroll app.pdf
Adobe Acrobat document [710.7 KB]

KBenefits, LLC
Christopher S. Kudryk

Call:  732-333-1976
Fax:   732-444-5971
chris@kbenefits.com

KBenefits insurance services provide solutions for small business owners and individuals in New Jersey & New York.  Contact KBenefits today and see how we can benefit you.

Thank you for referring us!
Referrals are the cornerstone of our business.  Let us know if we may be of further assistance to you or someone you know.  Glad to be of service.

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