.jpg)
Cham Joun Insurance Agency & Brokerage
Welcome to Cham Joun Insurance Agency & Brokerage. Your trusted partner for personalized protection and simplified insurance solutions.
Group 1: Medicare & Gov Programs
Medicare Advantage
Comprehensive healthcare plans designed to provide additional benefits beyond original Medicare.
ACA Marketplace
Qualified health plans for individuals and families, including those seeking state-level subsidies.
Gov Programs
State-regulated insurance programs providing essential coverage pathways for New Jersey residents.
Medicare & Gov Programs Solutions
Group 2: Personal Line
Auto Insurance
Reliable protection for your vehicle and family on the road with competitive rates.
Homeowners
Comprehensive coverage to protect your home and personal belongings against the unexpected.
Personal Line Solutions
Specialized flood insurance options to protect your family's most valuable assets from high-risk waters.
Flood Protection
Reliable protection for your vehicle and family on the road with competitive rates and support.
Auto Insurance
Comprehensive coverage to protect your home, personal belongings, and peace of mind.
Home Insurance
Secure your family's future with term and universal life products designed for long-term legacy planning.
Life & Legacy
Group 3: Commercial Line
Comprehensive business insurance solutions with integrated risk management tailored for small to medium enterprises. Protect your assets, your team, and your long-term vision with expert-vetted commercial coverage.
Business Liability
Protect your business from claims resulting from injuries or property damage caused by your operations, products, or employees.
Commercial Auto
Insure your business vehicles against damage and liability for accidents occurring during business use.
Commercial Line Solutions
Commercial Auto
Comprehensive coverage for business vehicles, fleets, and long-haul operations ensuring transport safety.
General Liability
Essential risk management for businesses, protecting against third-party claims and operational risks.
Workers Comp
Protective benefits for your workforce, ensuring compliance and peace of mind for every employee.
BOP / Property
Bundled asset protection for small business owners, covering property, liability, and business interruption.
Who We Serve
Individuals & Families
Retirees & Long‑Term Planning
Business Owners
We guide individuals and families through Medicare, ACA Marketplace, and private health plans so you can feel confident your coverage fits your needs and budget.
We offer specialized support for individuals nearing retirement who are exploring Medicare options, as well as families navigating transitions in job-based health coverage.
We help business owners protect what they’ve built. From group health benefits to key-person and liability coverage, we compare options from multiple carriers so you can choose a plan that supports your team, your budget, and your long‑term goals.
How We Help You
We Listen First
Your preferences and healthcare requirements are our top priority from the very beginning of the process.
Deep Comparison
Our technology navigates dozens of options to identify the right match for your unique personal priorities.
Expert Guidance
Licensed insurance agents provides clear guidance, helping you weigh options to decide with total confidence.
Expert guidance to navigate dozens of options and secure the most reliable coverage tailored to your budget.
Total Support
From enrollment to active use, we are with you every step of the way to ensure complete coverage satisfaction.
How We Work
Federal & State Compliance
We follow CMS, ACA Marketplace, GetCoveredNJ, and State DOI regulations with precision and documented procedures to ensure every choice you make is secure.
Transparent Guidance
Clear explanations, documented options, and no sales pressure—ever. We comply with all Federal and State rules governing agent compensation transparency.
Client-First Policy
Your insurance needs, personal goals, and budget come before carrier incentives or agency profit. We listen first to guarantee your priorities remain the focus.
Ethical Standards Above Industry Norms
Our agency maintains stricter internal policies than required by law to protect every client we serve. This is how we work—with integrity and commitment.
Real reviews from real people
"My insurance agent listened to me; I was treated as an individual with singular needs. I never felt rushed or pressured to finish the phone call. I’m happy I found this level of coverage."
Julia Bang.
Palisade park, NJ
"The insurance agent was honest, straight forward and got me the best policy I could hope for. His explanation of the benefits was easy to follow."
Dawn B.
Ridgefield, NJ
"Talking about insurance is painful for me, but my experience with this brokerage was painless and I made it through understanding what was happening. I was impressed."
Patricia Lee.
Flushing, NY
We provide personalized guidance to help you find insurance plans suited to your needs and budget, at no cost to you. Our licensed agents empower you to make informed decisions with clarity and confidence, guiding you every step of the way toward reliable coverage.
Secure Your Peace of Mind
Get Your Quote
Start your journey toward long-term peace of mind by requesting a customized consultation and quote today.
NJ Insurance Coverage FAQs
Who qualifies for ACA subsidies in New Jersey and how is eligibility determined?
Subsidies in NJ are available to residents through GetCoveredNJ based on their annual household income and family size. Eligibility is generally for those whose income falls within specific federal guidelines, and New Jersey also offers additional state-level subsidies to further lower monthly costs.
Do undocumented immigrants qualify for health subsidies, and can I use them for off-exchange plans?
Currently, federal and state health subsidies are generally reserved for citizens and legal residents with qualifying immigration statuses. Additionally, these financial credits can only be applied to plans purchased through the official state exchange, not for plans bought directly from private carriers off-exchange.
How often should I update my income, and what happens if it changes mid-year?
You should report income changes to the marketplace as soon as they occur to ensure your subsidy amount remains accurate. If your income increases and isn't reported, you may have to pay back some of the credit at tax time, while a decrease could make you eligible for more immediate savings.
What is the difference between Medicare and Medicare Advantage?
Original Medicare is government-provided, whereas Medicare Advantage is managed by private insurers and often bundles extra perks like vision or dental. We can help you compare these options to ensure your choice aligns with your specific health needs and budget.
When is the best time to enroll or modify my current coverage?
Most changes happen during the Annual Enrollment Period, but special life events like moving or losing other coverage allow for enrollment at any time. Our team can help you determine if you qualify for a Special Enrollment Period today.