ACA Health Insurance > Break Down > Health Insurance in New Jersey
Health Insurance New Jersey | Your Friendly Guide to Affordable Coverage
From Newark to Atlantic City—We’ve Got New Jersey Covered.
Hey there, New Jersey neighbor! Shopping for health insurance in New Jersey? Whether you’re new to it or just want something better, we’ve got your back. This friendly guide breaks everything down—simple, clear, and free of fine print.
Why Should You Buy Health Insurance in New Jersey?
Health care is expensive, and going without insurance is risky. A plan helps cover unexpected bills, gives access to preventive care, and keeps your health—and finances—protected.
Why it matters in New Jersey:
Around 7.2% of NJ residents under 65 are uninsured.
High cost of living means an unplanned medical expense can hit harder.
ACA-compliant plans include free preventive services like annual exams, screenings, and vaccines.
Even if you’re healthy now, insurance ensures you stay that way—and won’t be caught off guard if something happens.
Types of Health Insurance Available in New Jersey
Marketplace Plans (ACA via Get Covered New Jersey)
New Jersey runs its own exchange, Get Covered New Jersey, where residents can apply for ACA-compliant coverage and financial assistance.
Short-Term Insurance
Short-term plans are not available in New Jersey due to strict consumer protection laws. Residents must use qualified plans from approved carriers.
Medicare
If you’re 65+ or meet disability requirements, Medicare covers hospital stays, outpatient services, and prescriptions—with optional supplemental plans.
Medicaid (NJ FamilyCare)
New Jersey’s NJ FamilyCare program offers free or low-cost coverage to low-income adults, children, pregnant individuals, and seniors.
Private Insurance
Many New Jersey residents receive coverage through work or buy plans directly. We’ll help you compare all options side-by-side.
Compare plans based on price and benefits with us.
Is Health Insurance Required in New Jersey?
Yes—New Jersey requires residents to have health insurance. If you don’t, you may face a state-level penalty unless you qualify for an exemption.
This individual mandate helps keep premiums lower statewide and ensures more people can access preventive and emergency care.
Bottom line: health insurance isn’t just a good idea—it’s the law in New Jersey. But don’t worry, we’re here to help you meet the requirement affordably.
How Much Does Health Insurance Cost in New Jersey?
Prices vary depending on income, age, location, and family size. Many New Jerseyans qualify for premium tax credits and additional state subsidies through Get Covered NJ.
Some pay $0/month after subsidies. Others lock in high-quality coverage for under $75/month. Even middle-income families may qualify for help.
If you're 65 or older, Medicare options come with varying premiums based on the type of plan and extra benefits.
💡 Consider adding a calculator to help New Jersey residents estimate their monthly cost and potential savings.
How to Pick the Right Health Plan for You
Ask yourself:
How often do I go to the doctor?
What prescriptions do I need?
Is it important to keep my current provider?
What’s my monthly and annual healthcare budget?
Some prefer lower premiums and higher deductibles. Others want broader coverage for more peace of mind.
If you need help deciding, our licensed agents know New Jersey’s options inside and out—and we’re here to walk you through it.
Our Health Insurance Services in New Jersey
Navigating health insurance in NJ doesn’t have to be overwhelming. We make it easy to explore, compare, and enroll—all in one place.
Who We Help
We assist:
Self-employed professionals and part-time workers
Recent college grads
Seniors choosing Medicare
Families with multiple coverage needs
Anyone who wants help sorting through the fine print
What We Offer
We help with:
Get Covered NJ plans
Private health insurance
Medicare and NJ FamilyCare enrollment
Special needs and dual-eligible plans
Vision, dental, and prescription programs
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Speak to a licensed NJ agent (optional).
Enroll online or by phone.
Just like that—you’re covered.
Most Affordable Health Insurance in New Jersey
Here are three top carriers offering budget-friendly ACA plans through Get Covered NJ:
Horizon Blue Cross Blue Shield of New Jersey – Statewide coverage and strong plan variety.
AmeriHealth New Jersey – Competitive pricing with flexible plan designs.
Oscar Health – Tech-savvy and member-focused plans for younger and digital-first customers.
We’ll help you compare them all and choose the one that fits your lifestyle, location, and health needs.
Top 3 Most Uninsured Cities in New Jersey
While NJ has one of the strongest coverage rates nationally, some cities still face insurance gaps:
Paterson, NJ – Cost of living and language barriers affect enrollment.
Trenton, NJ – Economic hardship and plan confusion lead to lapses in coverage.
Camden, NJ – Many residents go without coverage due to lack of access and awareness.
Wherever you live in New Jersey, we’re here to help you find coverage that fits your budget and your life.
Final Tip from Your Friendly Guide
Health insurance in New Jersey isn’t just about fulfilling a legal requirement—it’s about protecting your health, avoiding major bills, and giving yourself peace of mind.
If you’re ready to compare plans or get help enrolling, we’re here to guide you.
Let’s get you covered today.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!