Insurance - Medicare - Retirement

Indvidual Health Insurance

Indvidual Health Insurance
Open Enrollment for individual health insurance begins every November 1st and ends December 15th.. During Open Enrollment, individuals can renew, compare, change health plans or change health insurance carriers for January 1st..  Choose from 3 carriers in New Jersey - Horizon BCBS, Amerihealth & Oscar.  If you don't have health insurance coverage, this would be the time to enroll in a health plan for the upcoming year. 

Learn more for this years' Open Enrollment, click Open Enrollment Guide.

Individual Health Insurance Carriers

Obamacare Health Plans
On-exchange health plans are offered by Horizon BCBS, Amerihealth and Oscar.  To assign a free broker to help you navigate your plan options, log on to Healthcare.gov.

Log in to www.HealthCare.gov:

  • Go to “My Applications & Coverage.”
  •  Select “Report a life change”.
  •  Select “Report a change in my household's income, size, or other info”
  •  Continue through the application until you get to the "NPN Entry screen".
  •  Follow the instructions above to ENTER: 
    CHRIS KUDRYK  / NPN # 7990501.
  • I am now your broker and how can I help you today?

Visit and prepare for Open Enrollment, click Open Enrollment Guide.

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KBenefits, LLC
Christopher S. Kudryk
Call:  732-333-1976
Fax:   732-444-5971



Chris Kudryk
NPN: #7990501


KBenefits provides insurance solutions for small business owners and individuals in NJ & NY.  Contact KBenefits today and see how we can benefit you.

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