Bergen County, New Jersey: health insurance
What Bergen County residents should know about Medicare, marketplace plans and Medicaid.
Bergen County at a glance
| State | New Jersey |
|---|---|
| Population (2023 est.) | 957,736 |
| Population rank in New Jersey | 1 of 21 |
| Land area | 233 square miles |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Why your county matters for coverage
In New Jersey, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in Bergen County means the options on this page apply to you, and plans in a neighboring county may differ.
- Medicare: New Jersey State Health Insurance Assistance Program (SHIP) gives free, unbiased counseling at 1-800-792-8820. Ask which plans serve Bergen County specifically.
- Marketplace plans: shop through Get Covered New Jersey; enter your Bergen County ZIP code to see what is offered.
- Medicaid: apply through NJ FamilyCare (Division of Medical Assistance and Health Services).
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.
Questions about Bergen County
Are the same Medicare plans offered everywhere in New Jersey?
No. Plans are offered by service area. A plan available in one county may not be offered in Bergen County, so check by county.
Where do Bergen County residents get free Medicare counseling?
New Jersey State Health Insurance Assistance Program (SHIP) (1-800-792-8820) is New Jersey's free SHIP program.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
Bergen County 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 large counties
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.