Health Insurance · New Jersey
The right health plan for you and your family.
Compare every New Jersey Marketplace plan, understand your savings, and enroll with a friendly licensed advisor — at no cost to you.
Shop plans nowPrefer to talk? Call (201) 633-7713 — a friendly NJ advisor, no pressure.
Made for real life.
If you don’t get coverage through a job, this is for you.
Self-employed
Freelancer, gig worker or business owner without a group plan.
Families
Cover the whole household — kids included — under one plan.
Between jobs
Lost employer coverage or want a cheaper option than COBRA.
Just want savings
See if you qualify for lower premiums before you pick.
Understanding metal tiers.
ACA plans come in four tiers based on how costs are split between you and the plan. Every tier covers the same essential benefits.
Bronze
Plan pays
~60%
- Premium
- Lowest
- Deductible
- Highest
Healthy individuals who want low premiums and mostly need catastrophic protection.
Silver
CSR eligiblePlan pays
~70%
- Premium
- Moderate
- Deductible
- Moderate
A balanced option — especially if you qualify for cost-sharing reductions (CSR), which only apply to Silver plans.
Gold
Plan pays
~80%
- Premium
- Higher
- Deductible
- Lower
People who expect regular medical care and want predictable costs at the point of service.
Platinum
Plan pays
~90%
- Premium
- Highest
- Deductible
- Lowest
Those with frequent medical needs who prefer paying more monthly to minimize out-of-pocket costs per visit.
Save on coverage
Premium tax credits & cost-sharing reductions.
Premium Tax Credits (PTCs) and Cost-Sharing Reductions (CSRs) can meaningfully lower your monthly premium and out-of-pocket costs. For 2026, eligibility is based on household income between 100% and 400% of the Federal Poverty Level. (The temporary expanded subsidy rules from 2021–2025 expired December 31, 2025.)
Cost-Sharing Reductions are only available on Silver-tier plans — which makes Silver especially valuable if you qualify.
Eligibility at a glance
- Household income between 100% and 400% of the Federal Poverty Level (2026 rules)
- Not eligible for other qualifying coverage (employer, Medicare, Medicaid)
- U.S. citizen or lawfully present resident
- File a federal tax return for the coverage year
- Enrolled in a marketplace plan (not purchased off-exchange)
The 10 essential health benefits.
By law, every ACA marketplace plan covers these ten categories — no matter which metal tier you choose.
Ambulatory services
Emergency services
Hospitalization
Maternity & newborn care
Mental health & substance use
Prescription drugs
Rehabilitative services
Lab services
Preventive & wellness
Pediatric (incl. vision & dental)
When can I enroll?
Nov 1 – Jan 31 · Get Covered NJ
Open Enrollment Period
The annual window when anyone can enroll in or change a marketplace plan for the coming year. New Jersey’s state marketplace (Get Covered NJ) closes January 31 — two weeks later than the federal marketplace.
60-day window
Special Enrollment Period (SEP)
Certain qualifying life events open a 60-day window outside Open Enrollment:
- Loss of existing coverage (job loss, aging off a parent's plan)
- Marriage, divorce or legal separation
- Birth or adoption of a child
- Moving to a new state or coverage area
- A change in income that affects subsidy eligibility
- Becoming a U.S. citizen or gaining lawful presence
Need more than medical?
Good questions.
Could I actually pay less?+
Very possibly. New Jersey stacks a state subsidy on top of the federal premium tax credit through Get Covered NJ, so many people pay far less than the sticker price. We check what you qualify for before you choose.
Is my doctor covered?+
We check your doctors and prescriptions against each plan's network first — so you don't find out the hard way.
Does your help cost anything?+
No. Carriers pay us, so our guidance costs you nothing and never changes your premium.
How do I enroll in NJ ACA?+
NJ ACA enrollment happens through Get Covered NJ (getcovered.nj.gov), New Jersey's state-based Marketplace. Open Enrollment runs November 1 – January 31 each year. You can also enroll outside Open Enrollment if you qualify for a Special Enrollment Period (lost job-based coverage, moved, married, had a baby, etc.). A licensed NJ ACA advisor at Yumi Health can compare every plan available in your ZIP, estimate your premium tax credit, and submit enrollment for you at no cost.
Who qualifies for NJ ACA subsidies?+
Most New Jersey residents qualify for some level of subsidy. Premium tax credits scale with household income, and NJ residents at lower income levels also qualify for cost-sharing reductions on Silver plans. NJ has its own state subsidy on top of the federal one — even higher-income households often qualify for help.
What NJ ACA plans are available in 2026?+
2026 NJ ACA Marketplace plans come from Horizon BCBSNJ, AmeriHealth NJ, Aetna CVS Health, Oscar Health, Wellpoint, and Ambetter from WellCare. Plans are grouped into metal tiers: Bronze (lowest premium, highest deductible), Silver (best value with cost-sharing reductions), Gold, and Platinum. All plans cover the 10 ACA Essential Health Benefits.
Is Get Covered NJ the same as HealthCare.gov?+
Get Covered NJ is New Jersey's own state-based Marketplace — it replaced HealthCare.gov for NJ residents starting plan year 2021. You should always enroll through Get Covered NJ (or a licensed NJ broker connected to it) rather than HealthCare.gov, which no longer serves NJ residents.
How much do NJ ACA plans cost?+
NJ ACA plan cost depends on your age, household income, ZIP code, tobacco use, and household size. With NJ + federal subsidies, many residents pay under $50/month for a Bronze plan and $100–200/month for a Silver plan. A licensed NJ ACA advisor at Yumi Health will run your exact pricing across every plan in your ZIP at no cost.
Let’s find your plan.
Compare on your own, or let a friendly NJ advisor do the heavy lifting.