Purchasing Insurance: How to choose what’s best for you.
Navigating the Insurance Marketplace & Obtaining Insurance
Choosing the best health insurance options for you and your family or business can be a daunting task, and navigating the different markets, benefits and pricing, and exploring state programs and eligibility can take a lot of your valuable time. Here is some information to help make your search easier:
Individuals, regardless of their age or health status, are guaranteed renewable health coverage under standard individual health benefits plans sold by health insurance carriers.
This site by the Department of Banking & Insurance can answer your common questions about eligibility, benefits, rates, and plans.
Subsidized Coverage Through the Marketplace
Individuals may be eligible for premium subsidies and also could be eligible for cost-sharing subsidies. You can determine your eligibility for coverage and subsidies and purchase coverage by going to www.healthcare.gov.
If you are a small employer and wonder about your eligibility and options in the Small Employer Health Insurance Market, this site by the Department of Banking & Insurance can help guide you to your coverage options.
This site by the Department of Insurance can answer your questions about eligibility and benefits, and can help you obtain coverage in the Small Employer Health Insurance market.
Medicaid provides health insurance to parents/caretakers and dependant children, pregnant women, and people who are aged, blind or disabled. This site can help answer your questions about eligibility, benefits & enrollment.
NJ FamilyCare is a federal and state funded health insurance program created to help New Jersey’s uninsured children and certain low-income parents and guardians to have affordable health coverage. This site can help answer your questions about eligibility, benefits & enrollment.
Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medical Insurance). This site by the U.S. Government can answer your Medicare questions and help you enroll.