Health insurance in New jersey
Are you looking to enroll in a new health insurance plan or for more information on health insurance in New Jersey?
You’ve come to the right place! On this page you can shop and compare ACA plans, get a free quote, and start the enrollment process. Plus, we go over enrollment dates and deadlines, which health insurance carriers are available in NJ, how much you can expect to pay for health insurance, and more.
To compare the most affordable plan options in New Jersey, click the button below.
Health insurance carriers in New Jersey (2021)
If you’re trying to find a list of health insurance carriers in New Jersey or looking for a specific one, we’ve got you covered! Here’s a quick overview of each carrier offering plans throughout 2021.
New Jersey and the Affordable Care Act (ACA)
The Affordable Care Act, also known as Obamacare, is a law that transformed the health insurance industry in New Jersey and across the United States. Let’s take a look at how things have changed since the ACA went into effect:
1. Easier access to healthcare
In 2009, over 50 million Americans did not have health insurance. This population typically received only half as much healthcare as someone with insurance. On average, these people were much more likely to end up in an emergency room. They were less likely to receive preventive care for major health conditions and chronic diseases. The ACA changed this by providing health insurance to millions who didn’t have access before.
2. Reduced healthcare costs
The government also understood that healthcare overall was too expensive. The ACA reduced these costs by offering subsidies, i.e. “cost-sharing reductions” and “advance premium tax credits.” A cost-sharing reduction is a discount that lowers the amount you have to pay in deductibles, copayments, and coinsurance. An advance premium tax credit is a credit that lowers your monthly premium. You can enter your zip code on the top of this page to find out if you qualify for one or both of these.
3. Additional rights & protections
Before the ACA was signed into law, health insurance companies were allowed to refuse coverage when someone had a pre-existing condition and cancel coverage when someone got sick or needed a lot of medical care. The Affordable Care Act ended those practices. The ACA also provides more coverage options for young adults, holds insurance companies accountable when rates increase, and includes free preventive care.
New Jersey enrollment dates and deadlines
There is an annual Open Enrollment Period (OEP) when New Jersey residents can buy or renew health insurance under the Affordable Care Act. The dates for Open Enrollment change each year but have always started on November 1st.
Enrollment periods for 2021 coverage
Open Enrollment Period: November 1, 2020 – January 31, 2021
Special Enrollment Period: February 1, 2021 – October 31, 2021
Make sure you don’t miss the next Open Enrollment!
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