Find Affordable Coverage in New Jersey
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New Jersey ACA Marketplace Overview
In 2026, approximately 345,000 New Jersey residents are enrolled in ACA Marketplace coverage. New Jersey uses its own state-run exchange for health insurance enrollment.
New Jersey has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in New Jersey?
The benchmark Silver plan (second-lowest-cost Silver plan) in New Jersey costs approximately $392/month before subsidies in 2026. However, most New Jersey residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for New Jersey households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your New Jersey household income.
Top ACA Health Insurance Companies in New Jersey
The following carriers offer ACA Marketplace plans in New Jersey for 2026:
- Horizon BCBS
- Oscar Health
- Aetna
Plan availability varies by county in New Jersey. Use Get Covered NJ to see exact plans available in your ZIP code.
ACA Plan Tiers Available in New Jersey
- Bronze: Lowest premiums, highest deductibles. Best for healthy New Jersey residents who rarely need care.
- Silver: Mid-range. Strongly recommended for New Jersey households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for New Jersey residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most New Jersey counties.
When to Enroll in New Jersey
- Open Enrollment: November 1 – January 15 on Get Covered NJ
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
New Jersey Insurance Resources
- Get Covered NJ — Official New Jersey enrollment portal
- New Jersey Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit