Clifton, New Jersey: health insurance
Clifton is in Passaic County. Here is what Clifton residents should know about coverage.
Coverage in Clifton
Clifton has about 88,461 residents (U.S. Census Bureau 2023 estimate).
Plans for Clifton residents are determined by Passaic County, home to about 513,395 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Passaic County before you choose it.
- Turning 65 in Clifton? Your Initial Enrollment Period runs seven months around your birthday. New Jersey State Health Insurance Assistance Program (SHIP) offers free counseling at 1-800-792-8820.
- Buying your own plan? Shop through Get Covered New Jersey.
- Medicaid questions? NJ FamilyCare (Division of Medical Assistance and Health Services) handles applications.
New Jersey note: 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.
Medicare plans leaving Passaic County for 2027
Medicare plans are set by county, so this applies to residents of this city. 10 plans are listed in Passaic County for 2026 but not for 2027, covering at least 1,261 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Wellpoint Full Dual Advantage Secure (HMO-POS D-SNP) H3240-024 | Anthem (Elevance Health) | 560 |
| Braven Medicare Freedom (PPO) H0885-002 | Horizon Mutual Holdings | 459 |
| Aetna Medicare Enhanced Extra (PPO) H5521-513 | Aetna (CVS Health) | 87 |
| Wellcare Giveback (HMO-POS) H0913-021 | Wellcare / Ambetter (Centene) | 62 |
| Wellcare Simple (HMO-POS) H0913-022 | Wellcare / Ambetter (Centene) | 45 |
| HealthSpring True Choice (PPO) H7849-149 | Cigna HealthSpring (HCSC) | 34 |
See all 10 plans leaving Passaic County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Clifton
New Jersey public institutions include Rutgers University, New Jersey Institute of Technology, Montclair State University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about New Jersey colleges.
Do Clifton and Passaic County have the same plans?
Plans are offered by service area, and Clifton falls under Passaic County. A plan that serves Passaic County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Clifton residents: call 855-367-1095
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 855-367-1095Other major New Jersey cities
Reviewed 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.