New Jersey Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in New Jersey for 2026, and where to buy them.
The New Jersey individual market in 2026
Five insurers sell individual and family Marketplace plans for 2026: Horizon Blue Cross Blue Shield of New Jersey, AmeriHealth, Oscar, Ambetter from WellCare of New Jersey and UnitedHealthcare. Aetna left the New Jersey marketplace for 2026. The same five carriers have filed 2027 rates, with an average increase of 19.8% before subsidies.
Insurers selling individual plans in New Jersey
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Horizon Blue Cross Blue Shield of New Jersey | Yes | The state's Blue Cross Blue Shield plan sells on Get Covered New Jersey; its average 2026 individual rate increase was 18.1%, and its filed 2027 average is 15.3%. |
| AmeriHealth New Jersey | Yes | Sells individual Marketplace plans; average rate changes were 15.5% for 2026 and 17.0% for 2027. |
| Oscar | Yes | Had the smallest average 2026 increase among New Jersey carriers (4.6%), but filed a 29.3% average increase for 2027. |
| Ambetter from WellCare of New Jersey | Yes | Sells on Get Covered New Jersey under the Ambetter brand; average rate changes were 17.1% for 2026 and 20.8% for 2027. |
| UnitedHealthcare | Yes | Sells on Get Covered New Jersey; it had the largest filed 2027 average increase in the state at 35.7%, after 18.4% for 2026. |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
New Jersey questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
Five carriers: Horizon Blue Cross Blue Shield of New Jersey, AmeriHealth, Oscar, Ambetter from WellCare of New Jersey and UnitedHealthcare. Aetna stopped offering marketplace plans in New Jersey for 2026.
The state reports a weighted average increase of 19.8% for 2027 individual plans before subsidies. Filed averages range from 15.3% for Horizon to 35.7% for UnitedHealthcare, and your actual change depends on your plan and any financial help.
KFF reports the 2026 average benchmark Silver premium for a 40-year-old in New Jersey was $545 a month before subsidies, up from $492 in 2025. Older adults pay more, and your price after subsidies depends on income.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
