New Jersey ACA health insurance plans for 2026.
New Jersey runs its own state-based Marketplace, Get Covered NJ, separate from HealthCare.gov. We compare every on-exchange carrier in your county — Horizon BCBS NJ, AmeriHealth, Aetna, Oscar, UnitedHealthcare, Wellpoint — and check your doctor's network before you enroll.
New Jersey's ACA Marketplace
New Jersey runs its own state-based Marketplace, Get Covered NJ, separate from HealthCare.gov.
Most New Jerseyans qualify for federal premium tax credits, plus NJ's state subsidies further reduce premiums for moderate-income households.
2026 New Jersey Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 New Jersey on-exchange carriers include: Horizon BCBS NJ, AmeriHealth, Aetna, Oscar, UnitedHealthcare, Wellpoint.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in New Jersey
New Jersey expanded Medicaid (NJ FamilyCare) under the ACA in 2014. Adults under 138% FPL generally qualify — no NJ coverage gap.
New Jersey ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
New Jersey counties we cover
All 21 New Jersey counties.
Ready to enroll in New Jersey ACA coverage?
Free, no pressure. Licensed in New Jersey and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.