Health insurance help for New Jersey residents
Compare Medicare, health insurance marketplace plans and Medicaid in New Jersey, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in New Jersey
New Jersey Medicaid, called NJ FamilyCare, is run by the Division of Medical Assistance and Health Services, and New Jersey runs its own state-based ACA marketplace, Get Covered New Jersey, instead of the federal HealthCare.gov site. New Jersey Insurance Plans is free to use for New Jersey callers working through Medicare, ACA, life, or supplemental coverage questions.
- New Jersey Medicaid, called NJ FamilyCare, is administered by the Division of Medical Assistance and Health Services (DMAHS) within the Department of Human Services -- DMAHS is the right place to start if your NJ FamilyCare eligibility changed.
- New Jersey runs its own ACA marketplace, Get Covered New Jersey, operated by the state's Department of Banking and Insurance since 2020, replacing HealthCare.gov for New Jersey ACA shoppers.
- Free Medicare counseling is available in New Jersey through the State Health Insurance Assistance Program (SHIP) at 1-800-792-8820, separate from New Jersey Insurance Plans's own free phone help.
Worth knowing: Get Covered New Jersey is run directly by the state's insurance regulator, the Department of Banking and Insurance, and layers a state-funded subsidy (New Jersey Health Plan Savings) on top of federal premium tax credits -- a combination unique to New Jersey's marketplace.
Coverage questions we help New Jersey residents with
Health plans (ACA marketplace)
How New Jersey’s marketplace works, who qualifies for help with costs, and when you can enroll.
Medicare
Turning 65, Medicare Advantage, Medigap and drug plans, with New Jersey’s free counseling program.
Medicaid
Where to apply in New Jersey, and what to do when your coverage changes.
New Jersey by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in New Jersey you live. Start with your county.
Major New Jersey cities
New Jersey colleges and universities
- Rutgers University
- New Jersey Institute of Technology
- Montclair State University
- Rowan University
- Kean University
- The College of New Jersey
State bird: Eastern Goldfinch
Spinus tristis. New Jersey’s official state bird, shown here as a local touch.
Photo: Paul Danese (CC BY-SA 4.0), via Wikimedia CommonsCommon New Jersey questions
Where do I shop for ACA health plans in New Jersey?
New Jersey residents shop through Get Covered New Jersey (https://www.nj.gov/getcoverednj/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in New Jersey?
Medicaid in New Jersey is run through NJ FamilyCare (Division of Medical Assistance and Health Services) (https://www.nj.gov/humanservices/dmahs/). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in New Jersey?
New Jersey Department of Banking and Insurance (https://www.nj.gov/dobi/) regulates insurance companies and agents in New Jersey. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in New Jersey?
Yes. New Jersey State Health Insurance Assistance Program (SHIP) (1-800-792-8820) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does New Jersey Insurance Plans cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about New Jersey coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.