INDIVIDUAL & FAMILY HEALTH INSURANCE - NJ
ON-EXCHANGE HEALTH INSURANCE PLANS
GET COVERED NJ - The Marketplace for New Jersey Consumers
PREMIUMS ARE DETERMINED BY:
- Where you live - (zip code)
- The number of people in your household who are seeking health insurance coverage
- Household income (tax filer + spouse and any tax dependents)
- Age
You may be eligible for an advanced premium tax credit (subsidy) based on the above factors.
You may also be eligible for Cost Sharing Reduction. (Reduces your out of pocket costs such as deductibles, copayments and coinsurance). Must be eligible for the premium tax credit, with a household income between 100- 250 percent of the Federal poverty level and must enroll in a silver-level plan.
You will have the option to choose different plans from different insurance companies.
INDIVIDUAL & FAMILY HEALTH INSURANCE PLANS
On-Exchange: Individual and Family Health Plans can work well for New Jersey consumers who are:
- Independent contractors - receive 1099 income - (Realtors, Freelancers, Gig workers)
- Self-Employed individuals
- Employed individuals who are not offered health insurance coverage from their employer.
- Individuals who are employed and offered health insurance coverage from their employer, but the employee's contribution for the lowest-cost plan for 2025 is greater then 9.02% of their household income.
- Individuals who are not employed but have income from investments or rental properties.