State guide
Health Insurance in New Jersey
Health insurance in New Jersey is available through Get Covered NJ, the state-based marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 7.2% of New Jersey's roughly 9.3 million residents are uninsured. New Jersey expanded Medicaid, so low-income adults may qualify for free or low-cost coverage. Prices and plan choice vary across the state's 21 counties, so where you live matters. Use the guides below to find the right lane for your situation.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
Key facts
New Jersey, at a glance.
- Marketplace
- Get Covered NJ
- State-based enrollment platform
- Medicaid expansion
- Adopted
- Low-income adults may qualify for Medicaid.
- Uninsured rate
- ~7.2%
- Approximate share of residents without coverage (KFF/Census).
- Counties
- 21
- Plan availability and pricing vary by county.
- Population
- ~9.3M
- U.S. Census estimate.
Approximate figures from the sources listed at the end of this page.
Open enrollment 2027
When New Jersey can enroll.
- Opens
- Nov 1, 2026
- Sun
- For Jan 1 coverage
- Check the exchange
- Get Covered New Jersey sets this date
- Last day to enroll
- Jan 31, 2027
- Sun
New Jersey runs its own exchange. These dates come from a secondary source (healthinsurance.org, Aug 2026). Confirm with Get Covered New Jersey before you rely on a date. Outside this window, a qualifying life event (a move, a new baby, losing other coverage) can open a Special Enrollment Period.
Medicare is different.Medicare’s annual enrollment runs Oct 15 to Dec 7, 2026. For Medicare help, visit our sister site OLYRON Medicare or Medicare.gov.
Dates checked Oct 15, 2026. Sources: HealthCare.gov: dates and deadlines; CMS statement, Jul 27, 2026.
Coverage lanes
Explore in New Jersey.
- ACA Marketplace plansSubsidy-eligible major-medical plans sold on the exchange.
- Health sharingNot insuranceMember-funded medical cost sharing — not insurance.
- Short-term plansTemporary coverage to bridge a gap — limited benefits.
- MedicareOriginal Medicare, Advantage, and Medigap for 65+ and eligible.
- MedicaidFree or low-cost coverage based on income and household.
- DentalStandalone and bundled dental coverage options.
- VisionEye exams, glasses, and contacts coverage.
- TelehealthVirtual primary and urgent care memberships.
Questions
Good questions, short answers.
When is open enrollment for 2027 coverage in New Jersey?
New Jersey runs its own exchange, Get Covered New Jersey. Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 31, 2027, according to a secondary source; confirm the dates with Get Covered New Jersey. A qualifying life event (a move, a new baby, losing other coverage) opens a Special Enrollment Period at other times of year.
Where do I buy health insurance in New Jersey?
New Jersey residents enroll through Get Covered NJ. You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
Is Medicaid available in New Jersey?
Yes. Because New Jersey expanded Medicaid, adults under a certain income may qualify regardless of family status. Eligibility is based on income and household size.
How much does health insurance cost in New Jersey?
It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many New Jersey enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- KFF (Kaiser Family Foundation) — health policy research · reviewed 2026-01-15
- U.S. Census Bureau — health insurance coverage data · reviewed 2026-01-15
- CMS Center for Consumer Information & Insurance Oversight (marketplace types) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15
Before the rush
Ready to see plans in New Jersey?
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