Health Insurance Quotes in New Jersey
Compare personalized quotes from top New Jersey carriers. See real pricing with subsidy calculations and get expert guidance from licensed specialists.
Your Guide to New Jersey Health Insurance Quotes
Finding the right health insurance starts with understanding your options and costs. Our quote system provides instant, personalized rates from multiple New Jersey carriers, including subsidy calculations based on your household income and size.
We compare plans from all major carriers available through GetCoveredNJ, New Jersey’s official state marketplace. Whether you’re looking for comprehensive PPO flexibility or budget-friendly HMO coverage, our system shows you real prices with real subsidies.
Getting quotes takes just minutes. You’ll see personalized rates based on your age, location, and household details without providing sensitive information until you’re ready to enroll. Our licensed specialists can help you interpret your results and identify which plan offers the best value for your situation.
Information Needed for Accurate Quotes
To provide accurate quotes with proper subsidy calculations, you’ll need some basic information about your household. You won’t need sensitive details like Social Security numbers until you’re ready to enroll.
👥 Household Details
Ages of all family members who need coverage and your New Jersey zip code to determine available plans in your area.
💰 Income Information
Estimated annual household income to calculate premium tax credits and cost-sharing reductions you may qualify for.
📋 Coverage Preferences
Desired coverage start date and any specific requirements like preferred doctors or prescription medications.
📄 Current Coverage
Information about any existing health insurance to determine if you qualify for Special Enrollment or need to wait for Open Enrollment.
Understanding Your Quote Results
When you receive your quotes, you’ll see several important details that help you compare plans effectively.
Monthly Premium
Your regular payment amount, shown both before and after any tax credits.
Annual Deductible
Amount you pay before insurance starts covering costs beyond preventive care.
Max Out-of-Pocket
The most you’ll pay in a year for covered services.
Copayments
Fixed amounts you pay for specific services like doctor visits.
Coinsurance
Percentage of costs you pay after meeting your deductible.
Network
Doctors, hospitals, and providers included in the plan.
Ready to See Your Options?
Get personalized quotes from top New Jersey carriers with expert analysis.
Get Your Quote Call 888-215-4045Your quotes will include plans from different metal tiers. Bronze, Silver, Gold, and Platinum each offer different balances of premium costs versus out-of-pocket expenses when you need care.
New Jersey Marketplace for 2026
GetCoveredNJ: New Jersey’s State Marketplace
New Jersey operates its own state-based marketplace called GetCoveredNJ. This means New Jersey residents enroll through the state’s platform rather than HealthCare.gov, with extended enrollment periods and additional state subsidies.
2026 Open Enrollment
November 1, 2025 through January 31, 2026
New Jersey’s enrollment window extends a full month beyond most other states, giving you more time to compare options and make your decision.
2026 Carriers in New Jersey
Five carriers offer marketplace plans in New Jersey for 2026:
Financial Assistance for 2026
Most New Jersey residents qualify for financial assistance that can significantly reduce monthly premium costs. Understanding these programs helps you budget accurately.
Federal Premium Tax Credits
Premium tax credits are federal subsidies applied directly to your monthly payment. The credit amount depends on your household income and size.
Important for 2026: The federal subsidy cliff has returned. If your income exceeds 400% of the Federal Poverty Level, you will not qualify for federal premium tax credits.
Single: $62,600
Family of 4: $129,000
NJ Health Plan Savings
New Jersey offers additional state subsidies through the NJ Health Plan Savings program. These subsidies can help residents who earn too much for federal assistance.
Key benefit: State subsidies extend up to 600% of the Federal Poverty Level, well beyond the federal cutoff.
Single: $93,900
Family of 4: $192,900
If your income falls between 100% and 250% of the Federal Poverty Level, you may also qualify for Cost-Sharing Reductions (CSRs), which lower your deductibles and copays. CSRs are only available with Silver plans.
Check Your Subsidy Eligibility
See how much you could save on your monthly premium with federal and state assistance.
Get Your Quote Call 888-215-4045Choosing the Right Plan from Your Quotes
With multiple quotes in front of you, selecting the right plan requires considering more than just the lowest premium.
Provider Network Coverage
Verify your current doctors, specialists, and hospitals participate in the plan’s network. Out-of-network care typically costs significantly more or may not be covered at all.
Prescription Drug Coverage
Check that your medications are covered on the plan’s formulary and understand what tier they’re in, as this affects your copay costs.
Expected Healthcare Usage
If you anticipate regular healthcare needs, paying more each month for a lower deductible may result in lower overall yearly expenses compared to a cheaper plan with a high deductible.
Total Annual Cost
Consider premiums plus estimated out-of-pocket costs based on your typical healthcare usage to identify the plan with the lowest total cost.
Quotes for Special Situations
Self-Employed Individuals
If you’re self-employed, your quotes reflect the same pricing as anyone else. However, you gain an additional benefit: self-employed health insurance premiums may be 100% tax-deductible, effectively reducing your coverage cost by your tax rate.
Coverage During Transitions
If you need immediate coverage outside Open Enrollment and don’t qualify for Special Enrollment, short-term health insurance may provide temporary protection. For comprehensive coverage, compare PPO and HMO options during the next enrollment period.
Additional New Jersey Health Insurance Resources
Explore all available health insurance plan types and carriers throughout New Jersey.
Marketplace EnrollmentNavigate GetCoveredNJ with guided support for 2026 enrollment and plan selection.
Costs & SavingsUnderstand premiums, subsidies, and proven strategies to reduce your healthcare costs.
Best PlansCompare top-rated carriers and plans that balance cost, benefits, and network strength.
Individual CoverageReview comprehensive coverage choices for New Jersey individuals and families.
Self-Employed OptionsDiscover tax advantages and coverage solutions for freelancers and business owners.
Get Your Personalized New Jersey Health Insurance Quotes
Compare rates from top carriers with instant subsidy calculations and expert guidance from licensed specialists.
Get Your Quote Call 888-215-4045Licensed in New Jersey • Same prices as direct enrollment • Professional guidance
Independent Broker Notice
ForHealthInsurance.com is an independent health insurance agency serving New Jersey residents. We are not affiliated with any carrier or government agency. We help you compare plans and enroll in coverage that meets your needs at no extra cost to you.