Official Site of The State of New Jersey
Changes to Financial Help for Certain Non-Citizens
Your health insurance costs through Get Covered New Jersey may change due to federal decisions. In 2025, President Trump signed a law called the One Big Beautiful Bill Act, which means if you're a non-citizen, you may pay more for your health insurance because you do not qualify for federal financial help starting in 2027. If your household is affected by this change, Get Covered New Jersey will contact you.
| Who is still eligible for federal financial help in 2027? | Who may not qualify for federal financial help in 2027? |
| If you have one of the statuses below, you will continue to be eligible for financial help to lower the cost of your health insurance: | If you have one of the following types of visas or immigration statuses, you may pay more for health insurance in 2027: |
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Lawful Permanent Residents (Green Card Holders)
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Work visas Student visas Asylee Refugee Survivor of domestic violence or human trafficking Temporary Protected Status (TPS) Other humanitarian or temporary lawful statuses previously eligible for Marketplace financial help |
Change in NJ FamilyCare eligibility
New federal rules are changing who qualifies for NJ FamilyCare/Medicaid based on your immigration status. Some non-citizens will no longer qualify for coverage after September 30, 2026. If you have been notified that you are no longer eligible for NJ FamilyCare, you may qualify to enroll in a health insurance plan through Get Covered New Jersey and receive financial help for the rest of 2026. If you enroll by September 30, 2026, your coverage will begin October 1, 2026. When enrolling, select Loss of NJ FamilyCare as your Special Enrollment Period. You may qualify for financial help to lower the cost of your monthly premium and out-of-pocket costs until the end of 2026. However, due to new federal rules, beginning January 1, 2027, you must have a qualifying immigration status to receive financial help.
For assistance with enrolling, contact the Get Covered New Jersey Customer Call Center at 1-833-677-1010.
2026 Plan Year Changes
The federal government has made changes that significantly impact all Affordable Care Act health insurance marketplaces, including Get Covered New Jersey. These federal updates affected 2026 health insurance plans.
Prior to 2021, the federal government provided advanced premium tax credits to eligible individuals to buy health coverage through Get Covered New Jersey. Beginning in 2021, the federal government provided increased financial help to Marketplace consumers through enhanced premium tax credits. Many New Jerseyans qualified for record levels of financial help. However, Congress did not extend the enhanced premium tax credits and this increased financial help ended on December 31, 2025.
While financial help will still be available, many enrollees will receive less than they did before, resulting in higher premiums for most health insurance plans in 2026.
Additional information about the impact of the expired premium tax credits on Get Covered New Jersey consumers can be found below, which include press releases issued by the Department.
Press Release: NJ Department of Banking and Insurance Releases Final Health Insurance Rates for the Individual Market for Plan Year 2026
Stay Informed
- Be sure to read any notices or emails you receive from Get Covered New Jersey or your insurance company.
- Get Help - consumers are encouraged to use the free assistance available in local communities throughout the state.
New Jersey Easy Enrollment Health Insurance Program
The New Jersey Easy Enrollment Health Insurance Program furthers the state's commitment to expanding access to a quality health insurance plan through Get Covered New Jersey, the state’s Official Health Insurance Marketplace. This program allows uninsured residents to indicate their interest in health coverage for themselves or a household member when filing their State Income Tax Return.
New Jersey residents can indicate on their State Income Tax Return that they allow GetCoveredNJ to help them obtain coverage and complete the NJ-EZ Enroll Form, which is part of the 2025 Income Tax Forms, to connect to the Marketplace. After the department receives referral information from the Department of Treasury’s Division of Taxation, GetCoveredNJ will provide the consumer information on coverage options.
Legislation signed in 2022 created the New Jersey Easy Enrollment Health Insurance Program to make it easier for residents to obtain health insurance through Get Covered New Jersey.
Consumers can use the following step-by-step guides:
- Existing Consumer - Enrolling in coverage if you were referred to GetCoveredNJ
- New Consumer - Enrolling in coverage if you were referred to GetCoveredNJ (You received a notice with an Access Code from GetCoveredNJ)
For more information, see New Jersey Easy Enrollment Health Insurance Program FAQs - Frequently Asked Questions