New Jersey · NJ
Health insurance in New Jersey: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps New Jersey residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in New Jersey, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- Get Covered NJ
- 2027 open enrollment
- Not yet confirmed
- Medicaid expansion
- Adopted
- Insurance department
- New Jersey Department of Banking and Insurance
Facts checked 2026-09-17.
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.
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
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- 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
- Book online at the free healthcare review page or call (888) 728-7640.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in New Jersey.
- 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
When is open enrollment in New Jersey for 2027 coverage?
New Jersey runs its own marketplace, Get Covered NJ. We could not confirm its 2027 open enrollment dates from the exchange on 2026-09-17; check Get Covered NJ directly for the current window before you plan around a date.
Does New Jersey use HealthCare.gov or its own marketplace?
New Jersey runs a state-based marketplace called Get Covered NJ. Marketplace plans and any premium tax credit in New Jersey go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in New Jersey?
Look the agent up through the NIPR license lookup, or contact the New Jersey Department of Banking and Insurance. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your New Jersey options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.