Affordable Health Insurance Plans in New Jersey .
NJ Health Agents compares every major carrier in the state, including AmeriHealth NJ, Horizon BCBS, Oscar Health, Aetna CVS Health, UnitedHealthcare, and Ambetter, so you find affordable health insurance NJ residents and employers rely on. We are licensed, independent agents and our service is always free. As a local broker, we handle the whole application on Get Covered NJ.
Find my plan or call 855-847-7020
See your plans and savings
- Horizon BCBS NJ
- AmeriHealth
- Oscar
- UnitedHealthcare
- Ambetter / WellCare
Where Are You in Life Right Now?
Medicare and under-65 coverage work very differently here. Pick your path and we take it from there.
Individual and Family Plans
ACA plans through the state marketplace, plus short-term and dental care. These plans for individuals and families come with every savings layer applied, and we check what financial help you may qualify for before you enroll. An individual health insurance plan covers doctor visits, preventive care, prescriptions, and more.
- ACA plans on GetCoveredNJ with savings applied
- NJ Health Plan Savings on top of federal credits
- Short-term alternatives and COBRA bridge coverage
- Self-employed and family plan comparison
Medicare Made Clear
We compare every Medicare plan in your county so your doctors, hospitals, and prescriptions stay covered: Medicare Supplement (Medigap), Medicare Advantage with dental and vision extras, and Part D drug plans.
- Medicare Supplement (Medigap) plans by county
- Medicare Advantage with dental and vision extras
- Part D prescription drug coverage
- Annual review so you never overpay
New Jersey Does Things Its Own Way
The rules here are not the same as the rest of the country, and an agent who knows them saves you real money.
A State-Based Marketplace
Get Covered NJ is the state marketplace that replaces healthcare.gov for residents. All Affordable Care Act savings and enrollment flow through this state-based health insurance marketplace, where you compare New Jersey health insurance plans and apply for coverage.
Extra Savings Most People Miss
The state stacks its own Health Plan Savings on top of federal ACA credits, so residents here can qualify for more help than in other states. The average monthly NJ Health Plan Savings is about $336. Your financial help depends on household size and income.
Medicaid and NJ FamilyCare
If your income is limited, you may qualify for free or low-cost coverage through NJ FamilyCare, the state Medicaid program. This publicly funded health insurance program has no deadline, and the same application checks whether you are eligible, so no one is left without access to affordable coverage.
Coverage Is Required Here
Since 2019, New Jersey requires health coverage for most residents, or you owe a state tax penalty unless you qualify for an exemption. A licensed agent across all 21 counties compares your health insurance options and handles enrollment at no cost.
Talk to a real New Jersey agent
Three Steps, Zero Pressure
Tell us about you
Share your ZIP, age, and who needs coverage. It takes about two minutes.
We shop the carriers.
We compare every plan in New Jersey you qualify for, from a low-premium Bronze plan to a richer Gold health plan, weighing the deductible, copays, and coinsurance so you know what you pay out of pocket.
Enroll with a human
We handle the paperwork on the state marketplace or Medicare and stay your point of contact all year.
Everything in One Place
Whatever stage you are at, there is a plan in New Jersey that fits. We help with Medicare Advantage, Medicare Supplement, Part D drug plans, individual and family health insurance, short-term gap coverage, dental and vision, small business group coverage, and life insurance. Every plan covers the essential health benefits and preventive care, and many add telemedicine, eye exams, and dental care.
Most New Jerseyans Qualify for Financial Help
Most households qualify for help paying premiums through the state marketplace. A licensed agent checks both federal tax credits and the extra state savings before you pick a plan, then shows the plans available and your real plan costs for 2027. Open enrollment runs November 1 to January 31, and a qualifying life event opens a special enrollment period the rest of the year. Use the shop and compare tool with an agent so you never overpay.
Trusted Across the Garden State
Real help from people who pick up the phone. Clients from Toms River to Jersey City tell us we found state savings they did not know existed and kept their doctors, at no cost. That is the difference a New Jersey specialist makes for your health care needs.
New Jersey Health Insurance FAQ
How much does health insurance cost in New Jersey?
It depends on your age, county, and the financial help you qualify for. After federal credits and state savings, many residents pay far less than the sticker price, and some qualify for free or low-cost coverage.
Where do I buy a plan?
Through Get Covered NJ, the state-based marketplace. A licensed agent or broker helps you compare plans and apply at no cost.
What is GetCoveredNJ?
GetCoveredNJ is New Jersey’s state-run ACA marketplace. It is the only place where NJ Health Plan Savings stack on top of federal tax credits, making it the best starting point for most NJ residents.
Which NJ carriers can you compare?
When is open enrollment in New Jersey?
Can you help with Medicare in NJ?
Yes. We specialize in Medicare Supplement (Medigap) plans including Plan G, Plan N, and Plan F. We also compare Medicare Advantage and Part D drug plans by county across all of New Jersey.
From Bergen to Cape May, every one of the 21 counties
Talk to a New Jersey Agent, Free
Tell us a little and a licensed local agent does the rest, usually the same day. Your information stays private, with no spam and no pressure.