Five Stars Insurance Agency

Because You Deserve Five-Star Coverage.

Q: What does “deductible,” “copay,” and “coinsurance” mean?

Deductible: The amount you pay out of pocket before your insurance starts covering costs. Copay: A fixed amount you pay for services (e.g., $30 for a doctor visit). Coinsurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of a hospital bill).

Q: When can I enroll in or change my health insurance plan?

ACA Marketplace Open Enrollment is typically from November to mid-January . Medicare Open Enrollment runs from October 15 to December 7 each year. Special Enrollment Periods (SEPs) are available if you have a qualifying life event, such as job loss, marriage, or moving to a new state.

When you work with us at Five Stars Insurance Agency, we help simplify the process of enrolling in your health insurance. With fast quotes and enrollment support whenever you need it.

We offer plans and coverage fit for everyone.

Health Insurance

Medicare Plans

Supplemental

Providing you coverage for what matters most.

With Five Stars Insurance Agency, you can have peace of mind knowing you're in good hands with our experienced team of professional agents.

Health Insurance Coverage

Are you eligible for an ACA plan? The Affordable Care Act (ACA) is a U.S. law that makes health insurance more accessible and affordable for Americans. It expands Medicaid, provides financial assistance through the Health Insurance Marketplace, and ensures coverage for those with pre-existing conditions. Find out if you qualify today!

Checkout our available insurance partners:

We offer quick and easy health insurance quotes and enrollment support.

Compare health insurance plans and get the coverage you and your family need today.

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Need Insurance Assistance?

Call Now: 908-344-0732

Frequently Asked Questions

Do you have further questions about health insurance? Contact us today or feel free to review some of these frequently asked questions.

What’s the difference between ACA Marketplace plans, Medicare, and Medicaid?

ACA Marketplace plans are private health insurance options available to individuals and families who don’t qualify for Medicare or Medicaid. Medicare is a federal program for people 65+ and certain younger individuals with disabilities, while Medicaid is a state and federal program for low-income individuals and families.

What does “deductible,” “copay,” and “coinsurance” mean?

Deductible: The amount you pay out of pocket before your insurance starts covering costs.
Copay: A fixed amount you pay for services (e.g., $30 for a doctor visit).
Coinsurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of a hospital bill).

When can I enroll in or change my health insurance plan?

ACA Marketplace Open Enrollment is typically from November to mid-January.
Medicare Open Enrollment runs from October 15 to December 7 each year.
Special Enrollment Periods (SEPs) are available if you have a qualifying life event, such as job loss, marriage, or moving to a new state.

What types of Life Insurance plans do you offer?

At Five Stars Insurance, we can help you find the right type of life insurance plan for your situation. We currently offer Index Universal Life, Whole Life, Term Life and Annuities plans.