GetCovered NJ

Get Covered New Jersey (GetCoveredNJ) is the official health insurance marketplace for the state of New Jersey. It’s where individuals and families who don’t have health coverage through their employer or other health care programs can shop for and buy health insurance plans.

Key features and benefits of Get Covered NJ:

• Online marketplace: You can shop online and compare various health plans, including their costs, benefits, and which doctors and hospitals are covered.
• Financial assistance: Get Covered NJ is the only place where you can apply for financial help to lower the cost of your health insurance. This assistance can come in the form of:
  • Premium tax credits: These help lower your monthly insurance premiums.
  • Cost-sharing reductions: These help lower your out-of-pocket costs, like deductibles and copays.
  • New Jersey Health Plan Savings: A state subsidy that provides additional financial help.
• Support and assistance: You can get free help from certified assisters, brokers, or the Customer Call Center to guide you through the application and enrollment process.
• Special Enrollment Periods (SEPs): Certain life events, like losing job-based coverage, getting married, having a baby, or moving, can qualify you to enroll in coverage outside of the regular Open Enrollment Period. There’s also an Expanded Access SEP for those with incomes up to 200% of the Federal Poverty Level, allowing year-round enrollment with potential for free or nearly free coverage.
• Essential Health Benefits: All plans offered through Get Covered NJ meet the standards of the Affordable Care Act and cover essential health benefits, including preventive care, check-ups, and more.

In essence, Get Covered NJ provides a platform for New Jersey residents to find, compare, and enroll in affordable health insurance coverage, with the potential for significant financial assistance to lower costs.