Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Elizabeth

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Elizabeth Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2430Reviewed

1462Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

714 Elm Street, Roselle, NJ 07203
WebsiteLicense: 1508721

Expertise.com Rating

Why choose this provider?

H. Watkins Insurance is an agency servicing Elizabeth and surrounding communities. It offers a wide range of Medicare health insurance options for seniors including Medicare Supplement, Medicare Advantage, and prescription part D plans. Its team of independent agents assists clients in combing through a wide range of options to choose from based on their needs and preferences, whether they are on or newly eligible in Medicare. Moreover, the agency also provides life and final expense insurance policies.

  • Individual Plans
  • Life Insurance

1575 Vauxhall Road, Union, NJ 07083
WebsiteLicense: 3001234455

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Review Sources

Facebook
5.0 (12)
Google
5.0 (11)

Why choose this provider?

Karing Is Mutual, LLC, is a team of licensed insurance brokers that serves families and individuals in Elizabeth and surrounding areas. The company offers a range of health insurance options, including health savings accounts and HMO plans, and provides dental, medical, vision, and prescription drug coverages. Its professionals educate individuals and helps employer group’s implement insurance coverage with confidence that they can trust. Cassandra Gibson, the firm's CEO and president, is a licensed life and health insurance broker with over 25 years of industry experience.

  • Life Insurance
  • Group Plans
  • Individual Plans

991 US Highway 22 West, Bridgewater, NJ 08807
WebsiteLicense: 1695834

Expertise.com Rating

Review Sources

Google
4.0 (28)

Why choose this provider?

Upix Agency opened its doors in 2019 to provide insurance services in the Elizabeth metro and the surrounding areas. The firm's insurance professionals offer consultation services for various types of insurance, such as life and health, homeowners' and rental, property, and auto insurance. Leading the company's operations is Sintia Matos. Aside from being an insurance agent, Sintia is also well-versed in tax preparation, immigration consultation, and notary solutions. The agency's services are also available in Spanish.

  • Individual Plans
  • Life Insurance

21 West Blancke Street, Linden, NJ 07036
WebsiteLicense: 1090716

Expertise.com Rating

Review Sources

Google
4.0 (10)
Facebook
4.0 (8)

Why choose this provider?

The Fig Leaf Agency is a full-service insurance agency serving clients in Elizabeth, Linden, and the surrounding areas for over 40 years. It specializes in offering health insurance plans carried by multiple companies, including Cigna, Aetna, HealthNet, and Amerihealth. It also offers families and individuals a variety of insurance options that cover vehicles, homes, boats, life, and personal articles. Businesses can also benefit from coverage plans for workers' compensation, general liability, employee benefits, and special contractor policies. The Fig Leaf Agency strengthened its standing in the industry when it acquired Walgert's Agency in 2008.

  • Life Insurance

1523 Morris Avenue, Union, NJ 07083
WebsiteLicense: 8802611

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Review Sources

Google
4.0 (23)
Facebook
5.0 (5)

Why choose this provider?

Insurance Associates Plus of New Jersey is an independent full-service insurance agency that serves clients in and around Elizabeth. Established in 1980, the agency offers personal and business insurance assistance to its clientele. The agency’s products include auto, business, and life insurance policies. It also provides clients with specialty products, such as watercraft insurance and group health insurance. Insurance Associates Plus of New Jersey represents carriers, such as Zurich, AIG, American Collectors Insurance, and Encompass Insurance.

  • Group Plans
  • Life Insurance

446 New Brunswick Avenue, Woodbridge Township, NJ 08863
WebsiteLicense: 1042950

Expertise.com Rating

Review Sources

Google
4.6 (45)
Facebook
5.0 (18)

Why choose this provider?

Five Star Insurance Agency, LLC is an insurance firm serving individuals, families, and businesses in Elizabeth. It was founded by Dennis Fitzpatrick in 1984. For over 35 years, it has provided insurance products such as health, home, commercial, life, flood, and auto insurance. As an independent agency, it represents multiple regional and national insurers. Its agents help clients search through design plans from these carriers to find the insurance coverage that suits the clients' situation.

  • Individual Plans
  • Life Insurance

15 Alden Street, Cranford, NJ 07016
WebsiteLicense: 9020122

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Lubenow Agency specializes in offering health insurance solutions to the residents of Elizabeth and the surrounding areas. It provides individual and group benefits, such as dental, disability, long-term care, and supplemental insurance. Medicare Supplement plans are also available for senior citizens looking to get additional coverage not included in their original Medicare plans. Founder Doug Lubenow is an experienced agent with over 32 years in the industry. Outside of work, he is actively involved with Camden-based charity Dooley House.

  • Individual Plans
  • Group Plans
  • Life Insurance

475 South Jefferson Street, City of Orange, NJ 07050
WebsiteLicense: 1634100

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (9)

Why choose this provider?

New Jersey Medicare Brokers is a Medicare insurance brokerage that has been serving Elizabeth and the surrounding areas for 10 years now. Representing leading carriers in New Jersey, the company helps retiring individuals and those with permanent disabilities choose the right Medicare health insurance plans. The plans offered include a Part A plan, a Part B plan, a Prescription Drug Plan, and a Medicare Advantage Plan. To get insured with additional medical care not covered by these plans, Medicare Supplements such as Medigap are available.

  • Individual Plans

52-54 Rome Street, Newark, NJ 07105

Expertise.com Rating

Review Sources

Google
4.0 (2)
Facebook
5.0 (1)

Why choose this provider?

TE Freuler Agency, Inc., is a full-service insurance agency serving Elizabeth and other communities throughout New Jersey. For more than 54 years, it has been offering all lines of insurance for business, home & auto, life, and health. The variety of health insurance options include individual and family plans, long term care, and disability insurance. These plans are provided by a wide range of carriers in the region, including Oxford Health Plans, Horizon, Qual Care, and AmeriHealth.

  • Individual Plans
  • Life Insurance
  • Group Plans

194 Broadway, Bayonne, NJ 07002
WebsiteLicense: 1974446

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
3.0 (2)

Why choose this provider?

The Julius A. Rose Agency is a family-owned independent insurance agency serving individuals, families, and companies in Elizabeth and neighboring areas. Established in 1902, the agency operates with experience in providing individual and group health insurance, life insurance, and disability income insurance. It offers insurance policies that secure clients' homes, commercial properties, and automobiles. The agency delivers business insurance products, including business owner's insurance policies, general liability insurance, commercial umbrella insurance, and workers' compensation insurance.

  • Individual Plans
  • Group Plans
  • Life Insurance

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Does Elizabeth have low-cost health insurance for its residents?

    Get Covered New Jersey is the state's primary health insurance platform for those in Elizabeth. Residents can research, compare, and buy health insurance plans that are tailored to their specific needs. Furthermore, it is the sole portal for applying for financial assistance, which may reduce premiums and other costs. Furthermore, the platform determines eligibility for NJ FamilyCare, potentially providing more affordable or even complimentary health insurance options.

  • What do Elizabeth residents need to know about New Jersey's health coverage mandate?

    Individuals in Elizabeth and their tax households are required by the New Jersey Health Insurance Market Preservation Act to have minimum essential health coverage as residents of New Jersey. They must have this coverage, be exempt, or face a Shared Responsibility Payment when submitting their New Jersey income tax return. This payment, however, is not applicable if they are not required to file a resident New Jersey income tax return.

  • How do premiums, deductibles, and copays function for Elizabeth residents' insurance policies?

    For Elizabeth residents, a premium is a recurring fee for insurance that is often lower when paid yearly. A deductible, either a fixed amount or a percentage of the premium, is what they pay before insurance kicks in; typically, higher premiums have lower deductibles. Meanwhile, a copay is a fixed cost incurred during specific services that is common in health insurance policies, where higher premiums often result in lower copays.

  • For Elizabeth residents, is it advisable to choose a low premium with a high deductible or the opposite?

    If you are younger, healthy, live a low-risk lifestyle, and contribute to a health savings account in Elizabeth, a high-deductible, low-premium plan may be right for you. A higher premium with a lower deductible, on the other hand, is more predictable and appropriate for those who can afford it, are older, in moderate health, work in high-risk occupations, or are expecting a pregnancy. Still, any coverage is preferable to none.

  • Can Elizabeth residents lose their health insurance if they mistakenly provide inaccurate information on their application?

    In Elizabeth, insurers cannot revoke coverage simply because of an honest mistake on an application form. Unintentional errors could previously result in the loss of protection or repayment demands. This safeguard, however, applies to all policies, including those with historical advantages. Notably, intentional misinformation or failure to pay premiums may still result in policy cancellation.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

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