New Jersey Residents · Licensed Local Experts

New Jersey Health Insurance
Quotes That Save You Thousands

Compare plans from 4+ top carriers serving New Jersey. Most New Jersey residents pay $0–$150/month with ACA subsidies. Get your free quote in 60 seconds.

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$171avg/month w/ subsidy
4+New Jersey carriers
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Get Covered NJ
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How Much Does Health Insurance Cost in New Jersey?

The average benchmark Silver plan in New Jersey costs $428/month for a 40-year-old before subsidies. But here's what most New Jersey residents actually pay:

$171/month
Average New Jersey cost after ACA subsidies
$257Bronze plan
$428Silver plan
$556Gold plan
$685Platinum plan

Costs based on a 40-year-old non-smoker. Your actual rate depends on age, ZIP code, family size, and tobacco use. Get your personalized New Jersey quote →

Top New Jersey Health Insurance Carriers

We compare 4 carriers serving New Jersey residents in real-time. You see every plan available in your ZIP code — not just the ones one company sells.

H
Horizon Blue Cross Blue Shield
A
AmeriHealth
A
Aetna
O
Oscar

How New Jersey Health Insurance Works

New Jersey residents enroll through Get Covered NJ. Here's the easy way:

1

Tell Us About You

Answer a few quick questions — age, ZIP code, household, income.

2

Compare New Jersey Plans

Our system pulls every plan available in your New Jersey ZIP code from 4+ carriers.

3

Get Your Subsidy

We instantly check ACA tax credits — most New Jersey residents qualify.

4

Enroll in 5 Min

Pick your favorite plan. Coverage can start as soon as the 1st of next month.

New Jersey Health Insurance FAQ

Quick answers to the most common New Jersey health insurance questions.

How much does health insurance cost in New Jersey?
The benchmark Silver plan in New Jersey averages $428/month for a 40-year-old before subsidies. With ACA premium tax credits, the average New Jersey resident pays $171/month — and many qualify for $0 plans entirely. Your actual cost depends on age, household size, ZIP code, and income. Get your real New Jersey quote in 60 seconds →
Where do I sign up for health insurance in New Jersey?
New Jersey residents enroll through Get Covered NJ. Open Enrollment runs November 1 – January 15. Outside that window, you can enroll through a Special Enrollment Period if you've had a qualifying life event (job loss, marriage, baby, move, etc.). Medicaid and CHIP enrollment is open year-round if you qualify by income.
Who are the top health insurance carriers in New Jersey?
The major carriers serving New Jersey residents include:
  • Horizon Blue Cross Blue Shield
  • AmeriHealth
  • Aetna
  • Oscar
Through TrustedQuotes, you compare plans from all of them at once — no need to visit each carrier's website separately.
Do I qualify for New Jersey health insurance subsidies?
If your household income is between 100% – 400% of the Federal Poverty Level (and often higher), you likely qualify for ACA premium tax credits in New Jersey. For a single person that's roughly $14,580 – $58,320/year. Even higher incomes can qualify under recent expanded rules. Our agents check your exact eligibility for free in under 60 seconds.
Can I get New Jersey health insurance with a pre-existing condition?
Yes — guaranteed. Under the Affordable Care Act, all marketplace plans in New Jersey must accept you regardless of pre-existing conditions, and they cannot charge you more because of them. You also can't be denied or charged extra for past or current health issues.
What if I missed Open Enrollment in New Jersey?
You may still have options:
  • Special Enrollment Period — if you've had a qualifying life event in the last 60 days
  • Medicaid — year-round enrollment if you qualify
  • Short-term health plans — coverage can start tomorrow
  • Health sharing ministries — alternative cost-sharing programs
Call us at Speak With a Live Agent — we'll find you something today.
How fast can New Jersey coverage start?
If you enroll by the 15th of the month, New Jersey coverage typically starts the 1st of the following month. During Special Enrollment Periods, coverage may start as early as the 1st of the month after you enroll. Short-term plans can start the next day.

Get Your Free New Jersey Quote Now

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