New Jersey’s healthcare marketplace is unique in that the state has transitioned away from the federally supported platform, healthcare.gov. New Jersey residents can complete their enrollment through the state’s health insurance exchange platform, GetCoveredNJ.
Licensed Agent
Health Insurance Quote
How to Buy Health Insurance in New Jersey
Many New Jersey residents carry insurance through their employers. If you do not receive health insurance benefits through your employer or from the federal government, you can access the certified partner enrollment sites via GetCoveredNJ.
New Jersey moved away from the federal marketplace in 2020. Availability of all plans varies based on where you live, but there are three insurers offering healthcare coverage in New Jersey: Oscar Health, Horizon Blue Cross Blue Shield of New Jersey, and AmeriHealth New Jersey.
Insurance is provided at three different options with varying costs and tiers. These tiers are referred to as Bronze, Silver, and Gold. For some low-income residents, health insurance may be available through Medicaid. New Jersey also offers catastrophic insurance plans through their state health exchange.
How to Apply for Health Insurance in New Jersey
Enrollment is simple and can be done through the state marketplace exchange.
Health Insurance Carriers In New Jersey
New Jersey currently has four health insurance carriers: AmeriHealth, Horizon Healthcare Services (BCBS), Oscar Health and Ambetter from WellCare of New Jersey.
New Jersey Health Insurance Costs Overview
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
New Jersey offers three tiers of health insurance – Bronze, Silver, and Gold.
How Much Does Health Insurance Cost in New Jersey?
In 2025, the average monthly health insurance premium in New Jersey is $492.
What is the Cheapest Health Insurance Plan in New Jersey?
The cheapest health insurance plan in New Jersey is the one that gives you the best coverage for your health needs. Contact us today to find the plan for you!
Licensed Agent
Health Insurance Quote
Cheapest New Jersey Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2024 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in New Jersey in 2025 was $680.
Silver Plans
The average lowest cost premium of a Silver Plan in New Jersey in 2025 was $482.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $398.
Other Types of New Jersey Health Insurance Coverage
Catastrophic Health Insurance in New Jersey
Catastrophic health insurance plans are available for purchase by New Jersey residents through the state’s market exchange. These plans have low monthly premiums but carry high deductibles. They are intended to use during dire circumstances and are an affordable option to protect yourself financially from unexpected serious injury or illness. These plans are generally only available to qualifying individuals under the age of thirty.
Short Term Health Insurance in New Jersey
New Jersey does not allow short-term or temporary health insurance plans.
Low Income Health Insurance in New Jersey
Low-income New Jersey residents can apply for Medicaid.
Licensed Agent
Health Insurance Quote
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D