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Rates for IHC Plans Effective in 2019

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.

You can purchase the newly-designed 2019 Standard IHC Plans starting November 1, 2018 for an effective date in 2019.

All Standard Plans provide comprehensive coverage, including:

Office visits
Hospital care, including emergency services
Prenatal, maternity and newborn care
Immunizations and well-child care
Screenings, including mammograms, pap smears and prostate examinations
X-ray and laboratory services
Mental illness and substance abuse services
Various therapy services
Prescription drugs
Pediatric vision services

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2019 Individual Health Coverage Monthly Premium Calculator
2019 Individual Health Coverage Monthly Premium Chart (PDF)
More Information
NJ Individual Health Coverage Program Carriers

Contact the carriers directly to request an application.

AmeriHealth HMO Inc. and AmeriHealth Ins. Co.
259 Prospect Plains Road, Bldg. M, Cranbury NJ 08512
Horizon Blue Cross Blue Shield of NJ and Horizon HealthCare of NJ
Three Penn Plaza East - PP09T, Newark NJ 07105-2200 
Oscar Insurance Corporation (NJ)
295 Lafayette St, New York NY 10012
Oxford Health Insurance (NJ) Inc.
7440 Woodland Drive, Indianapolis, IN 46278
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
Find a Federally Qualified Health Center in your County.
Individual Dental Coverage

Listed below are the carriers approved to offer dental coverage to individuals in New Jersey, shown in two groups: those that offer Stand-alone Dental Plans (SADPs), and those that do not offer SADPs. 

Stand-alone Dental Plans (SADPs)

The following carriers have agreed and been certified to offer individual SADPs in 2019. SADPs include a pediatric dental benefit required by the federal Affordable Care Act, and some may include coverage for adults, too. Some SADPs can be purchased on and off the Marketplace (, and some are available only off the Marketplace. These carriers may offer additional dental plans to individuals off the Marketplace. You can contact the carrier for more information.
AmeriHealth Insurance Company of NJ
1-888-968-7241 (TTY: 711)
Web site
Delta Dental
Web site
1-800-471-0284 or 1-800-503-4161
Web site
Dominion National Insurance
Web site
Guardian Life Insurance Company
1-844-561-5600 (TTY: 1-800-947-6644)
Web site
HealthPlex/International Healthcare Services, Inc.
Web site
Horizon Healthcare Services
Web site
Renaissance Life & Health Insurance Company
Web site
Other Dental Carriers

The following carriers are approved to offer dental plans, but are not offering SADPs to individuals. These carriers may or may not offer other dental plans to individuals today, or may limit their plans to certain classes of individuals (such as people with Medicare). You must contact the carriers for more information.
Aetna Life Insurance Company
Web site
American Family Life Assurance Company of Columbus (AFLAC)
Web site
Ameritas Life Insurance
Web site
Cigna Health & Life Insurance
Web site
Golden Rule/UnitedHealthOne
1-800-657-8205 or 1-800-273-8115
Web site
Madison National Life Insurance Company
Web site
Metropolitan Life Insurance (MetLife)
Web site
Mutual of Omaha
Web site
Security Life Insurance (an Ameritas affiliate)
Web site
Time Insurance Company/Assurant
Web site
United Concordia Life and Health Insurance Company
Web site
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