New Jersey · ACA Marketplace plans
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.
Facts on this page checked Jan 15, 2026. Sources are listed at the end.
How it works here
ACA Marketplace plans, explained for New Jersey.
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.
New Jersey facts
- Marketplace
- Get Covered NJ
- Medicaid expansion
- Adopted
- Uninsured rate
- ~7.2%
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.
More in this state
Other coverage in New Jersey.
- Health sharingMember-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 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.
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
Before the rush
Ready to see plans in New Jersey?
A licensed advisor can walk through the options where you live. Free, no obligation.
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