The State of New Jersey
NJ Department of Banking and Insurance
search  
Home > Insurance Division > Individual Health Coverage Program > Monthly Rates
New Jersey Individual Health Coverage Program Rates
PLEASE NOTE: All rates shown are monthly rates. Each carrier listed has filed its rates with the Department of Banking and Insurance and each carrier has also certified that its rates conform with applicable laws and regulations.
Rates for IHC Plans Effective in 2015

You can purchase the newly-designed 2015 Standard IHC Plans starting November 15, 2014 for an effective date in 2015.
All Standard Plans provide comprehensive coverage, including:
1.
Office visits
2.
Hospital care, including emergency services
3.
Prenatal, maternity and newborn care
4.
Immunizations and well-child care
5.
Screenings, including mammograms, pap smears and prostate examinations
6.
X-ray and laboratory services
7.
Mental illness and substance abuse services
8.
Various therapy services
9.
Prescription drugs
10.
Pediatric dental and vision services
Use our 2015 calculator to
Use our 2015 chart to
Find Your Monthly Rate for Plans Effective in 2015
See Monthly Rates (PDF) for All Plans Available at Selected Ages
For more information, see the IHC Buyer's Guide - 2015 Edition
 
More Information
 
NJ Individual Health Coverage Program Carriers

Contact the carriers directly to request an application

Carrier Name/Mailing and Web Addresses Telephone
Aetna Health Inc. and Aetna Life Ins. Co. 1-800-234-8454
3 Independence Way, Princeton NJ 08540 
www.aetna.com
AmeriHealth HMO Inc. and AmeriHealth Ins. Co. 1-866-681-7368
259 Prospect Plains Road, Bldg. M, Cranbury NJ 08512
www.amerihealth.com
CIGNA HealthCare of NJ 1-866-438-2446
900 Cottage Grove Road, Hartford CT 06152 
www.cigna.com
Health Republic Ins. of New Jersey 1-888-990-5706
570 Broad St., Suite 1100, Newark NJ 07102
newjersey.healthrepublic.us
Horizon Blue Cross Blue Shield of NJ and Horizon HealthCare of NJ 1-800-224-1234
Three Penn Plaza East - PP09T, Newark NJ 07105-2200 
www.horizonblue.com
Oscar Insurance Corporation of NJ 1-855-OSCAR-88
295 Lafayette St. 6th floor, New York NY 10012
www.hioscar.com
Oxford Health Ins. (NJ), Inc. and Oxford Health Plans (NJ), Inc. 1-800-216-0778
PO Box 7081, Bridgeport CT 06601-7081 
www.oxhp.com
 
Special Coverage Option for Young Adults Under 31 Years Old

Don’t forget! Most young adults may remain on a parent's policy until age 26 as a dependent under Federal law. In addition, New Jersey law (P.L. 2005, c. 375, sometimes called “Chapter 375” or “DU31”) permits many young adults not otherwise qualifying as a dependent under a parent’s employer’s group health benefits plan to be covered as an “over-age” dependent until his or her 31st birthday, if certain eligibility standards are met.  It makes sense to compare all of your options.

More information about coverage options for young adults, and DU31 Continuation in particular is available, or call the Department of Banking and Insurance at 609-292-7272.

If your parent is covered through the State Health Benefits Plan, refer to the Department of Treasury’s Pension & Benefits web pages.

 
New Jersey Federally Qualified Health Centers and Dental Coverage

New Jersey's Federally Qualified Health Centers
  Find a Federally Qualified Health Center in your County

 

Individual Dental Coverage

Dental insurance is available from several carriers.  The carriers listed below have been approved to offer dental coverage to individuals in New Jersey.  Be aware that even though a carrier is approved to offer dental plans, the carrier may not actually be offering dental plans at this time. Contact the carriers for information regarding their available dental plans.*

 

Carrier For More Information
American Family Life Assurance Company of Columbus (AFLAC) 1-800-992-3522 Web site
American Progressive Life & Health Insurance 1-877-504-3918  
Ameritas Life Insurance 1-800-776-9446 or
1-800-659-2223
Web site
Cigna Health & Life Insurance 1-855-854-1483 Web site
Corvesta Life Insurance Company    
Delta Dental** 1-800-452-9310 or 
1-855-335-8275
Web site
Dentegra Insurance 1-800-471-0284 or
1-800-503-4161
Web site
Family Life Insurance Company 1-800-669-9030  
Fidelity Security Life Insurance Company 1-800-648-8624  
Golden Rule Insurance/UnitedHealthOne 1-800-444-8990 Web site
HealthPlex/International Healthcare Services, Inc. 1-800-468-0608 Web site
Horizon Healthcare Services 1-888-765-7786 Web site
Madison National Life Insurance Company 1-800-356-9601  
Pennsylvania Life Insurance Company    
Renaissance Life & Health Insurance Company 1-888-791-5995 Web site
Security Life Insurance Company 1-855-728-7542 Web site
Time Insurance Company/Assurant 1-800-394-4296 Web site
United Concordia Life and Health Insurance Company 1-800-345-3837 Web site

*
You can also find information on certified stand-alone pediatric dental plans by downloading the Plan Attributes Public Use Files (Plan Attributes PUF) for the appropriate year (accessible here). Using filters, you can narrow the information.  In the column labeled “State,” select only NJ; in the column labeled “DentalOnlyPlan,” select yes; and, in the column labeled “QHPNonQHPTypeId,” you can select OnExchange, OffExchange, or Both, depending upon your interest.  In addition, to view only individual plans, in the column labeled “Market,” select Individual.
top of page
 
OPRA
OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
line
Adobe Acrobat
You will need to download the latest version of Adobe Acrobat Reader in order to correctly view and print PDF (Portable Document Format) files from this web site.
state seal
Copyright © 2011, State of New Jersey
New Jersey Department of Banking and Insurance