TRENTON — Get Covered New Jersey, the State’s Official Health Insurance Marketplace, is kicking off Open Enrollment for the 2027 plan year on November 1 with expanded outreach and enrollment assistance for consumers seeking a quality health insurance plan, the Sherrill Administration announced today.
Residents can view available 2027 health plans, compare costs and see if they qualify for financial help now, even before the enrollment window opens, using the Get Covered New Jersey Shop and Compare tool. All consumers need is their zip code, birth date and income, and they can view the plans available and the estimated amount of financial help they may qualify for to lower premium costs.
Open Enrollment for Get Covered New Jersey, operated by the New Jersey Department of Banking and Insurance, runs through January 31, 2027.
“We know that when President Trump gets involved, everyday New Jerseyans suffer. Tens of thousands of residents have already been priced out of health coverage under the Affordable Care Act, and hundreds of thousands more are at risk of losing their Medicaid eligibility,” said Governor Mikie Sherrill. “The Trump Administration and Washington Republicans’ policy changes and budget cuts are making health coverage harder to get and harder to keep, forcing New Jersey families to choose between getting the care they need and paying their bills. I encourage all New Jerseyans in need of health insurance to explore their options under GetCoveredNJ and find a plan that works for them. My Administration will continue fighting to protect coverage, lower costs, and connect families with quality coverage.”
“Despite the federal government’s devastating cuts, financial support is still available to consumers who qualify,” said Acting Commissioner Susan Ochs. “The GetCoveredNJ team and our community partners are here to help New Jerseyans compare their options and get enrolled in quality coverage to protect themselves and their families.”
State and federal financial assistance is available to qualifying residents to help lower their monthly premiums and out-of-pocket expenses. New Jersey will continue to offer state subsidies, called New Jersey Health Plan Savings, to qualifying residents with household incomes up to 600% of the Federal Poverty Level.
Continued Federal Impact
The federal government’s failure to extend enhanced premium tax credits has driven up costs for Get Covered New Jersey consumers. As a consequence, tens of thousands of New Jerseyans dropped health insurance coverage for the 2026 plan year. As of June 30, total enrollment on the State Health Insurance Exchange was 434,700 – reflecting a net decrease of 74,492 enrollees since the end of Open Enrollment on January 31, 2026 when enrollment stood at 509,192.
Additional changes imposed by the federal government will continue to result in higher premiums for consumers as well as additional restrictions. Under H.R. 1 signed by President Trump, certain legally present non-citizens will become ineligible for financial help starting in 2027. Only lawful permanent residents (green card holders), Cuban and Haitian entrants, and Compact of Free Association migrants will continue to be eligible for financial help toward their premium cost.
In addition, new federal rules are changing who qualifies for NJ FamilyCare/Medicaid based on their immigration status. Those non-citizens who are no longer eligible for NJ FamilyCare may qualify to enroll in a health insurance plan through Get Covered New Jersey and receive financial help for the rest of 2026. However, due to new federal rules, beginning January 1, 2027, non-citizens must have a qualifying immigration status to receive financial help.
The new federal rules also impose community engagement/work requirements starting January 1, 2027, for some adults to keep their NJ FamilyCare coverage. If residents do not qualify for NJ FamilyCare due to this rule, they may still be eligible for health coverage from GetCoveredNJ but will not receive financial help toward their plan due to federal requirements.
Enrollment Assistance
Get Covered New Jersey consumers are encouraged to use the free assistance available in local communities throughout the state by visiting the “We Can Help” section at GetCovered.NJ.gov or calling the Customer Call Center at 1-833-677-1010 TTY 711.
The Department recently awarded over $5.1 million in Navigator grant funds to 33 community organizations throughout New Jersey, up from 30 for the 2026 plan year, who will provide free, unbiased outreach, education, and enrollment and renewal assistance, in more than 10 languages in all 21 counties, to residents shopping for health insurance throughout the year. Navigators will also assist residents in applying for financial help.
Expanded Outreach
Throughout Open Enrollment, outreach events with Navigators will take place at malls and supermarkets, along with other events, located regionally throughout the state to increase awareness of the program and assist people in enrolling from November through January.
A list of statewide enrollment events, which will continue to be updated, can be found at: Find Local Assistance.
Follow @GetCoveredNJ or @GetCoveredNJEspanol on Facebook or X for more information in English and Spanish on mall and supermarket outreach events.
Five insurance companies are offering health plans in 2027 through the marketplace: Ambetter from WellCare of New Jersey, AmeriHealth, Horizon Blue Cross Blue Shield of New Jersey, Oscar, and UnitedHealthcare.
A requirement to have health coverage remains in New Jersey. Residents who do not qualify for an exemption from the Shared Responsibility Payment will pay a penalty at tax time.
ABOUT GET COVERED NEW JERSEY
Get Covered New Jersey is the state’s Official Health Insurance Marketplace, operated by the New Jersey Department of Banking and Insurance, where New Jerseyans can find quality insurance from private health insurance companies. Get Covered New Jersey is the only place where individuals who qualify can get financial help to reduce premium costs. Consumers can then compare health insurance plans and choose the plan that best fits their health needs and budget. Depending on their income, some consumers may qualify for low-cost or free coverage from NJ FamilyCare. Get Covered New Jersey was established by state law and created by New Jersey, for New Jersey. For more information, visit GetCovered.NJ.gov.
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