Purchasing Insurance
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 and the “Basic and Essential” plans (B&E Plan) sold by health insurance carriers.
Individual Health Insurance Buyer’s Guide
This site by the Department of Banking & Insurance can answer your common questions about eligibility, benefits, rates, and plans.
Small Employer Health Insurance
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.
Small Employer Health Insurance Buyer’s Guide
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.
NJ Protect – Pre-existing Condition Insurance Plan
NJ Protect is a new federally-subsidized health insurance option for uninsured New Jerseyans with pre-existing medical conditions. Coverage through NJ Protect can cost less than comparable individual health insurance and can offer greater benefits.
Department of Human Services – NJ Medicaid
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.
Directions to NJAHP
