ACA Marketplace plans in New Jersey
Looking for ACA marketplace health insurance in New Jersey? Here is how this coverage lane works specifically for New Jersey residents, what it costs, and how to get it.
New Jersey residents buy ACA Marketplace plans through Get Covered NJ. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.
Because New Jersey runs a state-based marketplace, you enroll at Get Covered NJ. Plans and prices are set at the county level across New Jersey's 21 counties, so two neighbors in different counties can see different options.
New Jersey expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.
Get Covered NJ is New Jersey's state-based marketplace and the place to apply for both private plans and Medicaid screening.
New Jersey expanded Medicaid and has pursued strong Marketplace participation, helping keep uninsured rates relatively moderate for a dense state.
Plan choice can differ between North Jersey metros and South Jersey counties among the state's 21 counties.
Next step
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Frequently asked questions
- When is Open Enrollment in New Jersey?
- New Jersey follows Marketplace Open Enrollment in late fall for coverage starting January 1; Get Covered NJ may set slightly different dates. A qualifying life event opens a Special Enrollment Period any time of year.
- Are New Jersey Marketplace plans subsidized?
- Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
- Do I use HealthCare.gov or a state site in New Jersey?
- New Jersey uses Get Covered NJ, its state-based marketplace — not HealthCare.gov — for enrollment and most subsidy screening.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · 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