New Jersey
health insurance plans

Compare individual and family health plans from top insurance companies at the lowest available cost.

Health benefits your employees will love

New Jersey
health insurance plans

Compare individual and family health plans from top insurance companies at the lowest available cost.

Need health insurance in New Jersey?
eHealth makes shopping easy.

Navigating New Jersey health insurance plans

Finding the right health insurance plan in New Jersey can be overwhelming. Whether you’re an individual looking for comprehensive coverage or a family seeking a plan to fit everyone’s needs, it’s important to consider factors such as:

Coverage needs

Evaluate what types of medical services you or your family use most frequently. Do you need regular doctor visits, specialist care, or prescription medications?

Budget

Look at both premiums and out-of-pocket costs. Sometimes a plan with a higher premium may save you money overall if you frequently use healthcare services.

Provider network

Ensure your preferred doctors and hospitals are included in the plan’s network to avoid higher out-of-network costs.

Additional benefits

Some plans offer extra perks, like wellness programs, telemedicine, or mental health services, which could be valuable to you or your family’s overall health.

Find health insurance plans for every stage of life

Health insurance

Health insurance exists to protect you from substantial medical costs. Each plan is an agreement between you and the health insurance company about the services they will cover, how much you will pay, and how much they will pay.

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Dental and vision insurance

Can cover everything from routine cleanings and fillings to more comprehensive procedures, usually at a low premium. May cover annual eye exams and/or reduce the cost of contact lenses or glasses.

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Short-term insurance

Designed to provide limited health coverage on a temporary basis, at affordable prices. Easy and quick to enroll in.

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Medicare insurance

Shop plans that can reduce costs associated with Part A and Part B Medicare, and cover doctors and prescriptions.

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Types of individual health insurance plans

Costs to expect from your health insurance plan

When you buy an insurance policy, you will pay a premium payment monthly or annually. In exchange for that premium, your insurance provider agrees to cover a portion of your healthcare bills as outlined in your plan policy. You are still responsible for some costs, like deductibles and copays. Here are descriptions of those costs and what you should expect.

Frequently asked questions

The New Jersey Health Insurance Mandate was enacted on November 21, 2019. Under this mandate, all New Jersey residents are required to have health insurance. Both individuals and families must have at least a minimum of essential coverage. If you qualify for an exemption, you may not need to maintain a healthcare plan.
New Jersey residents can apply for health insurance coverage through private insurers or the state-run exchange during open enrollment. If open enrollment has ended but you still need coverage, you can enroll if you have a qualifying life event (which triggers a special enrollment period).
New Jersey residents can expect to pay an average of $574.99 per person for an individual health insurance plan. This is the average monthly premium price of a plan available from eHealth in New Jersey, but actual prices available depend on zip code, age, gender, plan metal level, and other factors. Get a personalized quote to see what may be available for you.
Since the fall of 2020, New Jersey has a state-based health insurance marketplace called Get Covered NJ.( Prior 2020, New Jersey utilized the federal exchange, Healthcare.gov. ) Get Covered NJ is where you can compare and buy affordable health insurance in New Jersey. The New Jersey Department of Banking and Insurance (DOBI) manages GetCovered NJ. New Jersey’s decision to operate a state-based health insurance marketplace was predicated on its goal to improve residents’ access to affordable coverage. Supporting this goal, the state has invested in local trained benefits experts to assist residents in enrollment and expanded New Jersey’s open enrollment period. New Jersey DOBI reported an increase of 21% in the number of residents signed up for coverage during 2022 open enrollment, a record high for New Jersey.
You can enroll in individual and family insurance in New Jersey during the open enrollment period, which runs from November 1 to January 31. A Special Enrollment Period may be granted at any time of the year to those who experience a qualifying event, such as losing employer-sponsored coverage or getting married.
Yes, NJ FamilyCare and Medicaid are the same programs designed to provide families and individuals with low income with free or low-cost health insurance. NJ Medicaid is available for adults between the ages of 19 and 64 who qualify for coverage. Coverage includes doctor visits, hospital treatments, family planning, diagnostics, and other essential health care services.

You can also choose a Medicaid plan with dental and vision coverage. When you enroll in NJ FamilyCare, you can select a plan from various providers.
Many people often compare short-term vs. major medical insurance when they’re between jobs or waiting for their employer-sponsored coverage to begin. However, short-term health insurance is not available for New Jersey residents. The sale of this type of health insurance has been prohibited since the early ‘90s.

Under state law, all health insurance plans must provide a full year of coverage, which short-term plans don’t. In addition, any plans sold in the state must offer comprehensive benefits and must be guaranteed renewable.

The state of New Jersey doesn’t plan on allowing for the sale of short-term health insurance in the near future because the goal is to protect consumers and ensure they choose ACA-compliant plans with better coverage and benefits.
You can learn more about New Jersey health insurance by visiting the state-run marketplace. The health insurance marketplace in New Jersey is called Get Covered NJ, and it’s where residents can apply for and enroll in affordable health insurance plans for individuals and families. Here you can also learn about health insurance companies in New Jersey.

Get Covered NJ was designed to help residents find affordable health insurance in New Jersey, making financial help more accessible for the uninsured and underinsured. Through the marketplace, you can enroll in an ACA-compliant plan and find out if you qualify for a subsidy that will reduce your premium costs.

You can also find more information about health insurance in New Jersey on eHealth. Here, you can browse available plans based on your needs and budget to find the best option for you and your family.
The best way to choose the right health insurance plan is to consider your health needs and budget. Members of your family may have different health care needs, so you should consider everyone who will be covered under the same plan. From there, you can decide which metallic tier is best for your family.

Gold health insurance plans offer the lowest monthly premiums but have higher out-of-pocket costs for health care services and higher deductibles, meaning you’ll pay more for some services.
Silver health plans are a happy medium between low-cost bronze plans and higher-cost gold or platinum plans.
Gold and platinum plans have the highest monthly premiums but the most coverage and are best suited for individuals who visit their doctors more often or receive specialized care and long-term treatments.
You should also review your current New Jersey health insurance plan. Does it suit your family and their needs, or have there been changes in your health? If your budget or health needs have changed, it may be worth finding another plan instead of automatically renewing your existing one.

The best way to find affordable health insurance is by using the state marketplace, where you can compare different plan options and benefits.

When shopping for plans, you can review the various coverage options. Other than the metal categories, you may also consider catastrophic plans available for people under 30 or those over 30 with a hardship exemption. With these plans, monthly premiums are low, but you won’t qualify for a subsidy. In addition, they typically have higher deductibles that require you to pay more out of pocket for most services before the plan starts covering you.

Once you’ve narrowed down your options, you can start to look at the different costs associated with each plan. Check the premiums, copayments, and deductibles to help you understand the true cost of your health insurance.

The premium is how much you pay monthly, while copayments are a fixed fee for various types of services like doctor visits and prescriptions. Your deductible is how much you pay out of pocket before the insurance begins paying for health services. All of these factors can affect how much you pay while using a particular health insurance plan in New Jersey.
New Jersey health insurance is on par with the national average for major medical individual health insurance. However, prices vary and depend on your overall health, location, age, and plan.
Yes, there are specific health insurance plans for seniors in New Jersey. It’s important to remember that life insurance for seniors is not the same as health insurance, so you should continue to enroll in a health insurance plan during open enrollment each year.

One of the most popular health insurance plans for seniors is Medicare Advantage, which is available as an HMO, PPO, private fee-for-service (PFFF), or special needs plan (SNP).

NJSave is another option for low-income seniors and individuals with disabilities. With this program, eligible members can get help to pay for Medicare premiums, prescriptions, and other expenses.

New Jerseyhealth insurance plans

New Jerseyhealth insurance plans

Need health insurance in New Jersey?eHealth makes shopping easy.

Navigating New Jersey health insurance plans

Coverage needs

Budget

Provider network

Additional benefits

Find health insurance plans for every stage of life

Health insurance

Dental and vision insurance

Short-term insurance

Medicare insurance

Types of individual health insurance plans​

Costs to expect from your health insurance plan

Frequently asked questions

Learn more about health insurance in New Jersey

New Jersey
health insurance plans

New Jersey
health insurance plans

Need health insurance in New Jersey?
eHealth makes shopping easy.

Types of individual health insurance plans