GetCovered NJ Health Insurance Plans
New Jersey's official health insurance marketplace — find affordable coverage for individuals, families, and the self-employed.
What is GetCovered NJ?
GetCovered NJ is New Jersey's state-based health insurance marketplace, where residents can shop for and enroll in ACA-compliant health insurance plans. It replaced the federal HealthCare.gov marketplace for New Jersey residents in 2021.
Through GetCovered NJ, you may qualify for financial assistance — including premium tax credits and cost-sharing reductions — that can significantly lower your monthly premium and out-of-pocket costs.
Why Enroll Through GetCovered NJ?
Financial Assistance
Many New Jersey residents qualify for premium tax credits that reduce monthly costs, sometimes to $0.
ACA-Compliant Coverage
All plans cover essential health benefits including preventive care, prescriptions, and mental health services.
No Denial for Pre-Existing Conditions
Insurers cannot deny coverage or charge more based on your health history.
Multiple Plan Tiers
Choose from Bronze, Silver, Gold, and Platinum plans to match your budget and healthcare needs.
Family Coverage
Enroll your entire household in one plan, with options for children-only coverage as well.
Special Enrollment Periods
Life events like job loss, marriage, or having a baby may qualify you to enroll outside open enrollment.
When Can You Enroll?
Open Enrollment Period
November 1 – January 31
The main annual window to enroll in or change your GetCovered NJ plan. Coverage can start as early as January 1.
Special Enrollment Period
Year-round (qualifying events)
Losing job-based coverage, moving, getting married, or having a baby may trigger a 60-day Special Enrollment Period.
Medicaid & NJ FamilyCare
Year-round
If your income qualifies, you may be eligible for Medicaid or NJ FamilyCare at any time of year.
Let Us Help You Find the Right Plan
Navigating GetCovered NJ can be overwhelming. Our licensed brokers simplify the process — we compare plans, explain your subsidy options, and help you enroll at no cost to you.
Turning 65? You may also qualify for Medicare coverage.