Health insurance in New Jersey is sold through Get Covered New Jersey, with an estimated 55-85 plans available for 2026. The average Silver-tier premium is $420/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Get Covered New Jersey
Get Covered New Jersey
Avg Silver Premium
$420/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Get Covered New Jersey | State-run exchange |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 31, 2026 | Special enrollment for QLEs year-round |
| Plans available | 55-85 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
New Jersey launched its own state-based exchange, Get Covered New Jersey, in 2021 and has built a strong subsidy structure on top of the federal ACA framework. The marketplace offers 55–85 plans, with Horizon BCBS, Oscar, and UnitedHealthcare as leading carriers. Silver premiums average $410–$430/month for a 40-year-old before subsidies, and New Jersey's state subsidy program can reduce costs substantially for residents earning below 400% FPL. The state extended its open enrollment period through January 31. New Jersey has one of the most generous state-level coverage assistance programs in the nation.
New Jersey reinstated a state individual mandate in 2019 after the federal penalty was zeroed out, using the mandate revenue to fund reinsurance and state subsidies. New Jersey expanded Medicaid (NJ FamilyCare) under the ACA and has maintained strong enrollment. The state's high cost of living is partially offset by generous subsidies. New Jersey has also pursued coverage for undocumented immigrants through state-funded programs. The Get Covered NJ exchange allows the state to tailor outreach to its diverse, multilingual population.
Leading 2026 ACA carriers in New Jersey: Horizon Blue Cross Blue Shield of NJ, Oscar Health, UnitedHealthcare. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
New Jersey reinstated a state individual mandate in 2019 and funds state-level subsidies for residents earning up to 400% FPL, reducing premiums significantly.
New Jersey expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 New Jersey Pro Tip
New Jersey operates its own state-based exchange called Get Covered New Jersey at getcovered.nj.gov.
A 40-year-old non-smoker in New Jersey typically pays about $410–$430/month for a Silver plan before subsidies. State subsidies can further reduce costs significantly.
Yes. New Jersey expanded Medicaid (NJ FamilyCare) under the ACA. Adults earning up to 138% FPL are generally eligible.
Marketplace data sourced from state and federal exchange filings for New Jersey, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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