In 1992, the New Jersey Legislature created the Individual Health Coverage (IHC) Program to ensure that people without access to employer or government sponsored health care programs could purchase health coverage for themselves and their families from a variety of private carriers. Prior to that time, few insurance companies offered policies to individuals and coverage was often inadequate, especially for people with chronic illnesses or injuries.
Since 1993, individuals – regardless of their age or health status – are guaranteed renewable health coverage under standard individual plans designed by the Individual Health Coverage Program Board.
This Buyer’s Guide provides general information on individual health benefits plans and is designed to help you shop for the plan that best meets your needs. Before you decide what plan to purchase, you will also want to review a list of participating carriers, their current rates and their telephone numbers and other contact information. You should get more information about the healthcare providers that participate in a carrier's network(s). And keep in mind that the contract provisions of the plan actually purchased will govern the terms and conditions of coverage, so it is important to become familiar with the contract terms of the plan you buy.
Individual plans may be purchased from a variety of carriers. Currently, all of the individual plans offered are managed care plans (referred to as a Health Maintenance Organization (HMO), Point-of-Service (POS) or an Exclusive Provider Organization (EPO) plan). These plan options are explained in detail in this Buyer's Guide.
This Buyer's Guide is being updated to provide information about the Individual Health Coverage Program and individual plans offered as of January 1, 2014.
You can learn more about the New Jersey IHC Program by browsing our Internet Web Address: www.dobi.nj.gov/ihc/