New Jersey provides its residents with access to GetCoveredNJ, an affordable health insurance marketplace which provides subsidized coverage depending on income level.
Use the Shop and Compare tool from your state to quickly identify a plan that suits you and your family best, and estimate any financial assistance available to you.
What is GetCoveredNJ?
GetCoveredNJ is the new state-based health insurance marketplace established by law under Governor Phil Murphy to expand coverage under the Affordable Care Act (ACA) for New Jersey residents and improve access to coverage.
Nine out of ten New Jersey consumers who enroll in plans through GetCoveredNJ qualify for financial help to lower their premiums and out-of-pocket expenses, such as federal and state subsidies and cost-sharing reductions.
To determine if you qualify for financial assistance, the Shop and Compare Tool or applying online are great resources. Alternatively, experienced navigators are always on hand to answer any of your queries and help provide guidance and advice.
Who can shop on GetCoveredNJ?
GetCoveredNJ is an online marketplace where residents of New Jersey can buy various health insurance plans that best suit their budget and lifestyle needs. In addition, GetCoveredNJ also provides assistance when finding an appropriate plan. New Jerseyans who qualify can enroll during its open enrollment period from Nov 1 through Jan 31 annually. Other people may need to wait until the new Expanded Access Special Enrollment Period, designed specifically to assist low-income households who may otherwise not qualify for health coverage. No matter when or how you enroll, take time to evaluate all your options – this way, you can ensure you’ll enjoy affordable yet quality healthcare coverage.
What are the plans offered on GetCoveredNJ?
GetCoveredNJ offers various plans, with benefits and costs that vary by plan tier. With their Shop and Compare Tool, it is easy to select one that best meets your budget needs.
Most people opt for Silver plans because they’re less expensive than Gold ones and feature cost-sharing reductions that lower deductibles and co-pays.
Federal tax credits for insurance premiums have been extended through 2025 and now make themselves available to households paying over 8.5 percent of their income on health care coverage.
New Jersey Health Plan Savings, a state subsidy designed to lower monthly premiums and make getting covered easier than ever, are also available as financial help to more people.
How do I enroll in a plan on GetCoveredNJ?
Anyone in New Jersey is welcome to shop for coverage via GetCoveredNJ, their state health insurance marketplace. Open enrollment occurs typically from November through January.
Residents experiencing qualifying life events — such as marriage, birth, moving and/or losing health insurance coverage — can enroll outside of the open enrollment period by taking advantage of what’s known as a Special Enrollment Period (SEP).
Nine out of ten New Jerseyans qualify for financial help when shopping on the Marketplace, helping lower monthly premium payments as well as out-of-pocket expenses such as deductibles and copays.
Federal and state changes have enabled eligible New Jerseyans to access more financial assistance than ever, including premium tax credits, cost-sharing reductions and the state savings program known as New Jersey Health Plan Savings.
What are my options if I already have health insurance?
If you already have health insurance, but require an Affordable Care Act-compliant plan without waiting for open enrollment period to do so, special enrollment periods may allow for switching without penalty to an ACA-compliant plan. If your employer offers group health coverage and you lose it due to unemployment or retirement, special enrollment periods allow for this switchover process.
Even if you already have health insurance, additional coverage might be beneficial in covering expenses like prescription drugs or dental work. This type of secondary insurance can be purchased either through your employer-sponsored plan, or independently from an insurer; most secondary plans cover up to their respective limits.
