New Jersey · NJ
New Jersey health insurance 2027: prices, plans and where to apply
In New Jersey, the 2027 benchmark silver plan for a 40-year-old averages $665 a month before tax credits, up 22% from 2026 (KFF). Open Enrollment runs Nov 1, 2026 to Jan 31, 2027. Below is how buying coverage works in New Jersey and where to apply, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Reviewed by Jordan SarmientoUpdated
Quick facts
- Marketplace
- Get Covered NJ
- 2027 open enrollment
- Nov 1 to Jan 31
- Medicaid expansion
- Adopted
- Insurance department
- New Jersey Department of Banking and Insurance
Facts checked 2026-09-17.
New Jersey in 2027 at a glance
- Benchmark silver, age 40
- $665/mo
- 2027, before credits. Up 22% from 2026.
- Enrolled for 2026
- 509,192
- 82.2% got a premium tax credit.
- Open Enrollment
- Nov 1 to Jan 31
- Enroll by Dec 31 for a Jan 1 start.
Sources: KFF and CMS (2027 plan data), linked in the sections below.
New Jersey health insurance facts
- Marketplace
- New Jersey runs its own state-based marketplace, Get Covered NJ.Source
- 2027 open enrollment
- Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 31, 2027 through Get Covered NJ; enroll by Dec 31, 2026 for coverage that starts January 1.Source All states' 2027 dates.
- 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.
Average cost of health insurance in New Jersey for 2027
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $665 a month for a 40-year-old in New Jersey for 2027, before any credit. That is up 22% from $545 in 2026.Source
2027 benchmark silver price by age in New Jersey
| Age | Per month, before credits |
|---|---|
| 21 | $520 |
| 30 | $591 |
| 40 | $665 |
| 50 | $929 |
| 60 | $1,412 |
| 64 | $1,561 |
Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.
The 2026 Marketplace in New Jersey, in numbers
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
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.
Health insurance companies in New Jersey for 2027
New Jersey runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on Get Covered NJ. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.
Cheap health insurance in New Jersey: where the low prices are
Tax credits change the price most. For 2026, 82.2% of New Jersey Marketplace enrollees got a premium tax credit, and 3.9% paid $10 a month or less after it.Source
New Jersey expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay 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
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.
What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.
New Jersey health insurance FAQs
When is open enrollment in New Jersey for 2027 coverage?
Open Enrollment for 2027 coverage in New Jersey runs Nov 1, 2026 to Jan 31, 2027 through Get Covered NJ. Enroll by Dec 31, 2026 for coverage that starts January 1, 2027.
How much does health insurance cost in New Jersey?
For 2027, the benchmark silver plan for a 40-year-old in New Jersey averages $665 a month before tax credits, up 22% from $545 in 2026 (KFF). In 2026, New Jersey Marketplace enrollees paid $277 a month on average after tax credits ($734 before) (CMS). Your own price depends on your age, county, household income and plan.
What is the average cost of health insurance in New Jersey by age?
For 2027, the benchmark silver plan in New Jersey averages about $591 a month at age 30, $665 at 40, $929 at 50 and $1,412 at 60, before tax credits (KFF benchmark for age 40, other ages on the CMS default age curve). Most Marketplace buyers pay less after a premium tax credit.
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.