Health insurance in New Jersey: private plans, the Marketplace, and how AFHC helps

New Jersey health insurance facts

Marketplace

New Jersey runs its own state-based marketplace, Get Covered NJ.Source

Medicaid expansion

New Jersey adopted Medicaid expansion (implemented January 1, 2014).Source

State insurance department

New Jersey Department of Banking and Insurance. File complaints and check agent licenses here.Source

Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.

What Marketplace coverage costs in New Jersey

For 2026, 509,192 New Jersey residents picked a Marketplace plan during Open Enrollment, and 82.2% of them received an advance premium tax credit. The average premium was $734 a month per person before the credit and $277 after it, counting everyone who picked a plan. 3.9% paid $10 a month or less after the credit.Source State premium help paid by New Jersey’s own exchange is not included in these figures.

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $545 a month for a 40-year-old in New Jersey in 2026, before any credit.Source

For 2027, insurers across the country proposed a median increase of 15%.Source Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients paid, by state and kind of plan, is in health insurance cost by state.

Free, impartial help in New Jersey

If you have Medicare or will soon: New Jersey’s State Health Insurance Assistance Program (SHIP) is State Health Insurance Assistance Program (SHIP), 1-800-792-8820.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in New Jersey

Most New Jersey households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail. New to private coverage? Start with private health insurance in the USA.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• Families who want catastrophic-first coverage

We work with families across New Jersey, including Newark, Jersey City, Paterson and Elizabeth, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

How the free review works for New Jersey residents

1. Book online at the free healthcare review page or call (888) 728-7640. What an advisor does and how advisors are paid is on talk to a licensed advisor near you.
2. One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in New Jersey.
3. You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.

New Jersey health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.