Health insurance for New Jerseyans who buy their own.
We help New Jersey adults who buy their own health coverage, including people leaving a job, self-employed workers and early retirees waiting for Medicare. A licensed agent can compare Get Covered New Jersey plans and show you what state and federal help you may get.
New Jersey plans we compare
What’s different about health insurance in New Jersey.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the New Jersey FAQ- Open enrollment on Get Covered New Jersey for 2027 runs November 1, 2026 to January 31, 2027, longer than in HealthCare.gov states.
- New Jersey Health Plan Savings adds state premium help up to 600% of the poverty level, past the 400% federal cutoff that returned in 2026.
- New Jersey has its own coverage mandate: going uninsured can mean a Shared Responsibility Payment on your state tax return.
- Short-term health plans cannot be sold in New Jersey, so ACA-compliant plans are the main option.
- NJ FamilyCare covers adults with income up to 138% of the poverty level, with new work and six-month renewal rules starting January 2027.
- Five insurers sell 2026 exchange plans: Horizon, AmeriHealth, Oscar, Ambetter from WellCare and UnitedHealthcare. Aetna left for 2026.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and New Jersey's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in New Jersey, and what to use instead.
Learn moreWho sells plans in New Jersey
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our New Jersey FAQ, or ask an agent at (888) 214-4898.
Open enrollment on Get Covered New Jersey runs from November 1, 2026 to January 31, 2027. Outside that window you generally need a qualifying life event, such as losing other coverage, moving or having a baby. NJ FamilyCare accepts applications all year.
Yes. New Jersey requires residents to have coverage or an exemption, or pay a Shared Responsibility Payment when filing state taxes. For tax year 2025 a single filer's payment ranged from $695 to $4,908, and people who do not have to file a New Jersey return are exempt.
No. The enhanced premium tax credits expired at the end of 2025, and Congress has not restored them as of October 2026. New Jersey Health Plan Savings still helps households up to 600% of the poverty level, but net premiums rose for many enrollees.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your New Jersey county, check your subsidy, and walk you through the options. No cost, no obligation.