Jeffrey Wade
If you are a resident of New Jersey and are looking to apply for medical insurance, there are a few things you should know. Firstly, you can visit GetCovered.NJ.gov, the state's health insurance marketplace, to compare plans and see if you qualify for financial assistance. You can also call 1-833-677-1010 (TTY 711) for more information. New Jersey also provides free Medicare counseling services through local State Health Insurance Assistance Program (SHIP) offices, where trained volunteers can help you navigate the system and find suitable options. You may also qualify for NJ FamilyCare, which provides free or low-cost health insurance that covers doctor visits, prescriptions, vision, dental care, and more. It's important to note that you can enroll at any time if you experience a significant life change, such as losing your job or having a baby.
| Characteristics | Values |
|---|---|
| Website | GetCovered.NJ.gov |
| Phone number | 1-833-677-1010 (TTY 711) |
| Open Enrollment Period | November 1 – January 31 |
| Special Enrollment Period | Available for individuals with a qualifying life event, such as getting married, moving to a new coverage area, losing job-based health coverage, having a baby, or losing coverage from a parent's plan |
| Financial assistance | Available for individuals at certain income levels (up to $30,120 for an individual or $62,400 for a family of four for 2025) |
| Plan comparison | Available on the website |
| Application process | Individuals can fill out an application on the website or seek assistance from certified assisters or agents |
| Medicare enrollment | Online, via phone (1-800-772-1213; TTY 1-800-325-0778), or in-person at the local Social Security Office |
| Medicaid | Expanded in some states, including New Jersey, to cover more individuals |
| NJ FamilyCare | Provides free or low-cost health insurance that covers doctor visits, prescriptions, vision, dental care, mental health, hospitalization, and more |
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What You'll Learn
Visit GetCovered.NJ.gov to compare health insurance plans
To apply for medical insurance in New Jersey, you can visit GetCovered.NJ.gov, the state's health insurance marketplace. Here, you can compare health insurance plans and see if you qualify for financial assistance. GetCovered.NJ.gov provides a user-friendly platform that allows individuals to explore different health plan options and make informed decisions about their healthcare coverage.
When visiting the website, you will find a range of tools and resources to facilitate your comparison of health insurance plans. Firstly, you can input your personal information, including your age, income, and household size, to narrow down the plans that are most relevant to your situation. The website will also prompt you to specify the type of coverage you are seeking, such as individual or family coverage, to further refine the search results.
As you browse through the available plans, GetCovered.NJ.gov provides detailed information about each option. This includes the monthly premiums, deductibles, co-pays, and out-of-pocket maximums associated with each plan. Additionally, you can compare the specific benefits and services covered, such as hospital stays, doctor visits, prescription drug coverage, mental health services, and more. The website ensures that you have a comprehensive understanding of each plan's features, allowing you to make an informed decision that meets your unique healthcare needs.
One of the key advantages of using GetCovered.NJ.gov is the ability to determine your eligibility for financial assistance. The website will guide you through the process of applying for subsidies or enrolling in public health insurance programs. For instance, you can find out if you qualify for NJ FamilyCare, which is New Jersey's publicly funded health insurance program. NJ FamilyCare provides free or low-cost health insurance that covers a wide range of services, including doctor visits, prescriptions, vision, dental care, and hospitalization. By considering these financial assistance options, you can identify plans that fit within your budget and ensure that you receive the necessary support in obtaining affordable healthcare coverage.
Furthermore, GetCovered.NJ.gov offers assistance throughout the application process. If you have any questions or concerns, you can seek help from specially trained navigators who can guide you through the process and help you find the right plan. This assistance is provided free of charge and can be accessed both in-person and remotely, ensuring that you receive personalized support regardless of your location or convenience. By leveraging the tools, resources, and support offered by GetCovered.NJ.gov, you can confidently navigate the process of comparing and selecting a health insurance plan that aligns with your healthcare needs and financial situation.
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Find out if you qualify for financial help
In New Jersey, you can find out if you qualify for financial help with medical insurance through GetCoveredNJ. This is a state-run program that offers financial help to many New Jerseyans to lower health insurance costs. To qualify for coverage through GetCoveredNJ, you must be a New Jersey resident with a New Jersey address that is used for tax purposes and is considered your permanent home.
When you apply for health coverage in the Marketplace through Get Covered New Jersey, you will be able to find out if you qualify for financial help to lower the cost of your plan. You will need to provide income and household information, which will be used to assess your eligibility for financial assistance. You may qualify for financial help if you have experienced a major life event, such as getting married, moving to a new coverage area, or losing job-based health coverage.
Additionally, your income and household size will determine your eligibility for financial help. If your income is below certain thresholds, you may qualify for assistance. For example, for the 2025 coverage year, nearly free coverage was available for individuals with an income of up to $30,120 or a family of four with an income of up to $62,400. You can also compare health plans before applying to see how much financial help you may qualify for.
It's important to note that if you are eligible for Medicare or have other minimum essential coverage, you will generally not qualify for financial help through Get Covered New Jersey. However, if you have a GetCoveredNJ plan and become eligible for Medicare, you have the option to keep your plan for the rest of the year without financial assistance or terminate it before the start of your Medicare coverage.
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Learn about the NJ FamilyCare program
New Jersey residents may be able to obtain free or low-cost health insurance through the state's publicly funded health insurance program, NJ FamilyCare. The program covers doctor visits, prescriptions, vision, dental care, mental health, hospitalization, and more. It includes people who qualify for the Children's Health Insurance Program (CHIP) and Medicaid.
Eligibility for NJ FamilyCare is based on income and household size. When applying for coverage, you will need to provide income and household information, which will be used to determine your eligibility for financial assistance and whether you may qualify for NJ FamilyCare. You only need to fill out one application, and you will be informed if you qualify for the program or for financial help to lower the cost of your marketplace plan.
You can enrol in NJ FamilyCare at any time, whereas marketplace plans typically have specific open enrolment periods. However, you may enrol outside of the open enrolment period if you experience a life-changing event, such as losing your job-based health coverage, having a baby, or losing coverage from a parent's plan.
Additionally, New Jersey offers the NJ WorkAbility Program, which provides full Medicaid health coverage to working individuals with disabilities who would otherwise be ineligible due to their income. The state also provides free Medicare counselling services through the State Health Insurance Assistance Program (SHIP), with trained volunteers helping individuals navigate the system and find suitable options.
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Understand Special Enrollment Periods
You may qualify for a Special Enrollment Period if you have experienced certain life-changing events or meet a certain income level. These events include losing health coverage, moving, getting married, having a baby, or adopting a child. Losing job-based health coverage, having a baby, or losing coverage from a parent's plan are also considered qualifying events.
If you lose your health coverage, you may qualify for a Special Enrollment Period if you or anyone in your household lost qualifying health coverage in the past 60 days or expects to lose coverage in the next 60 days. Losing Medicaid or CHIP coverage in the past 90 days may also qualify you for a Special Enrollment Period. If you choose to drop your coverage voluntarily, you won't qualify unless there is also a decrease in household income or a change in your previous coverage that made you eligible for savings on a Marketplace plan.
Moving to a new coverage area may qualify you for a Special Enrollment Period. However, moving only for medical treatment or vacation does not count as a qualifying event. If you move to the US from a foreign country or US territory, you are eligible for a Special Enrollment Period, and you don't need to provide proof of your previous coverage.
Getting married also qualifies you for a Special Enrollment Period. If you get married, you must pick a plan by the last day of the month, and your coverage can start on the first day of the next month.
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Contact a certified assister or agent for free local help
If you need help applying for health insurance in New Jersey, you can contact a certified assister or agent for free local support. These individuals are trained to help you navigate the application process and find the right health coverage plan for you. They can provide assistance over the phone or in person, and their services are entirely free of charge.
To find a certified assister or agent near you, follow these steps:
- Go to the GetCoveredNJ website at https://enroll.getcovered.nj.gov/hix.
- Click on the Help & Support Menu.
- Choose "Find Local Assistance."
- Decide whether you want to locate a New Jersey Certified Agent or Broker or a New Jersey Certified Assister.
- For Agents or Brokers, you can search by location (e.g., zip code and distance) or by their name or company name if you have that information.
- For Assisters, you can search by location.
By connecting with a certified assister or agent, you can receive personalized guidance and support throughout the process of applying for health insurance in New Jersey. They can help you compare plans, understand your eligibility, and make informed decisions about your health coverage options.
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Frequently asked questions
Visit GetCovered.NJ.gov, the state's health insurance marketplace, to compare plans and see if you qualify for financial help.
If you have questions or need help enrolling, call 1-833-677-1010 (TTY 711).
NJ FamilyCare provides free or low-cost health insurance that covers doctor visits, prescriptions, vision, dental care, mental health, hospitalization, and more.
To apply for Medicare, sign up online, call Social Security at 1-800-772-1213 (TTY 1-800-325-0778), or visit your local Social Security Office.
The Open Enrollment Period for health insurance in New Jersey typically runs from November 1 through January 31. However, individuals with a qualifying life event or who meet certain income levels can apply for coverage outside of this period.
