New Jersey health insurance plans
How individual and family health coverage works in New Jersey, in plain language.
ACA Open Enrollment opens November 1st
Open enrollment starts November 1st. Not sure which New Jersey plan is right for you? Call and we'll help you find it.
Where New Jersey residents shop
New Jersey residents who buy their own coverage shop on Get Covered New Jersey at www.nj.gov/getcoverednj/. That is also where income-based help with monthly premiums (premium tax credits) is applied. New Jersey runs its own marketplace, so it has its own enrollment dates and rules.
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.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within New Jersey, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
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.
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.
Questions about New Jersey health plans? 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 855-367-1095Reviewed 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.