Welcome to Get Covered New Jersey, the state’s official online health insurance Marketplace, where you can:
- Shop online and compare plans that cover essential health benefits as required by the Affordable Care Act.
- Apply for financial help to lower your health insurance costs.
- Work with certified experts who can answer questions and guide you through enrollment at no cost to you.
Due to federal and state changes, New Jerseyans now qualify for record levels of financial help. If you did not qualify for financial help in the past because your income was too high, you may qualify under the state and federal changes. These changes make coverage more affordable at most income levels.
These increased financial benefits are only available if you enroll in coverage through GetCoveredNJ. The new financial help is currently in effect and will be available for coverage in 2023.
Follow this step-by-step guide to enroll.
Get started by comparing health plans and prices
You can compare health plans to learn how much financial help you may qualify for before you apply. Our shop and compare tool lets you compare health plans based on your:
- eligibility for financial help
- monthly premiums
- access to doctors
- estimated total healthcare costs for the year.
Financial help is available
Get Covered New Jersey offers financial help to many New Jerseyans to lower health insurance costs. Due to federal and state changes, record levels of savings are available to New Jerseyans. When you apply for health coverage in the Marketplace, you might qualify for three types of financial help: premium tax credits, cost-sharing reductions and additional financial help offered by the state of New Jersey. Premium tax credits help lower your monthly health insurance premium payments. Cost-sharing reductions help lower your out-of-pocket costs like deductibles and copays. The state savings – called New Jersey Health Plan Savings – will provide additional help to most people purchasing coverage on the Marketplace.
Nine out of 10 residents enrolling at Get Covered New Jersey qualify for financial help.
Based on your income, you may also qualify for free or low-cost coverage with NJ FamilyCare, the state's publicly funded health insurance program. You only need to fill out one application on GetCoveredNJ to learn what financial help you can get.
If you need help, talk with a certified expert
GetCoveredNJ has a network of trained professionals who can answer your questions and guide you through choosing a health plan and applying for coverage. The help is free. You can call our Customer Call Center. Or you can get free help from health insurance agents (brokers) or certified assisters in your area. They are trained to guide you through the application and help you find the plan that works best for you and your family.
Major life event? See if you qualify for a Special Enrollment Period.
Open Enrollment for 2023 has now closed. In order to enroll in coverage, you must have a qualifying life event to open a Special Enrollment Period or meet a certain income level.