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Health Insurance in New Jersey — Plans, Costs & Enrollment

Find the right health insurance plan in New Jersey. Compare 65+ plans from top carriers, check your subsidy eligibility, and enroll with help from a licensed broker.

Call 866-981-8620 — Licensed in NJ

New Jersey Health Insurance Market Overview

New Jersey residents shopping for individual or family health insurance in 2026 have access to 65+ plans through the GetCoveredNJ. The benchmark silver plan for a 40-year-old averages approximately $540/month before premium tax credits are applied.

With the enhanced ACA subsidies expiring at the end of 2025, many New Jersey residents will see significant premium increases for 2026 — particularly those with household incomes above 400% of the Federal Poverty Level. Working with a licensed broker ensures you're evaluating every available option and maximizing any subsidies you still qualify for.

Health Insurance Carriers in New Jersey

Horizon BCBS
AmeriHealth
Oscar

Carrier availability varies by county. Call for plans in your area.

Key Enrollment Facts for NJ

Exchange Type

GetCoveredNJ

Open Enrollment Ends

January 31, 2026

Benchmark Silver Premium

$540/mo (40yr old)

Plans Available

65+ plans

Find Coverage in Your New Jersey City

Health insurance costs and carrier options can vary significantly by county. Select your city below for localized plan information and pricing estimates.

Newark Jersey City Paterson Elizabeth Lakewood Edison Woodbridge Toms River Hamilton Trenton

Whether you're looking for individual health insurance plans, need to understand your options during open enrollment, or want to explore supplemental coverage options, our licensed advisors can help you navigate the New Jersey market.

Ready to Compare Plans in New Jersey?

A licensed advisor can walk you through your options — no cost, no obligation.

Call 866-981-8620

New Jersey Health Insurance FAQ

What health insurance companies operate in New Jersey?

The major health insurance carriers offering individual and family plans in New Jersey for 2026 include Horizon BCBS, AmeriHealth, Oscar. Carrier availability can vary by county, so it's important to check which plans are available in your specific ZIP code.

How much does health insurance cost in New Jersey?

The 2026 benchmark silver plan premium for a 40-year-old in New Jersey averages approximately $540 per month before any premium tax credits. Your actual cost depends on your age, household income, county of residence, and chosen plan tier.

Does New Jersey have its own health insurance exchange?

Yes, New Jersey operates its own state-based marketplace called GetCoveredNJ. You can shop for plans and enroll through the state exchange or work with a licensed broker like Prodest Insurance Group.

When is open enrollment for health insurance in New Jersey?

Open enrollment for 2026 coverage in New Jersey runs from November 1, 2025 through January 31, 2026. If you miss open enrollment, you may still qualify for a Special Enrollment Period through a qualifying life event.

Can I get health insurance in New Jersey outside of open enrollment?

Yes, if you experience a qualifying life event — such as losing job-based coverage, getting married, having a baby, or moving — you have 60 days to enroll in a new plan through a Special Enrollment Period. Short-term health insurance plans are also available year-round in most areas.

Need help finding the right plan in New Jersey? Call our licensed advisors — no obligation.

Call 866-981-8620

affordablehealthcareplans.net is operated by Prodest Insurance Group. Jeremy Irons (NPN: 20969524) is a licensed health insurance broker licensed in NC, SC, GA, FL, TX, VA, TN, AL, MS, AR, KY, IN, OH, PA, NJ, CO, and AZ. This site is not affiliated with HealthCare.gov, the federal Health Insurance Marketplace, or any government agency. We do not offer Medicaid, Medicare, or CHIP enrollment. Insurance products and availability vary by state. Not all products available in all areas. By calling or submitting a quote request, you consent to be contacted by a licensed insurance agent.