New Jersey Health Insurance Made Affordable
New Jersey Health Insurance helps protect your health and financial security. At Vivna Insurance, we help individuals, families, and small businesses compare affordable plan options so they can choose coverage with confidence.
- π Where to EnrollHere with Vivna
- π₯ MedicaidExpanded
- β±οΈ Short-TermACA plans only
- π State MandateCoverage required
π€ Why New Jersey Families Choose Vivna
Shopping for New Jersey Health Insurance should feel simple, not stressful. So Vivnaβs licensed agents compare plans from leading carriers and explain every option in plain language.
Because we work for you, not one insurance company, our advice stays honest and focused on your budget. Have questions? Then call 888-730-6001 to talk with an agent today.
Personalized Support
One licensed agent guides you from your first question through enrollment, so nothing slips.
Licensed Nationwide
Our agents also serve individuals and families across 48+ states.
Choose Your Carrier
Compare top carriers side by side instead of one companyβs plans.
No Cost to You
Our guidance is free, and you also pay the same premium as buying direct.
Carriers our agents work withTap a logo to learn more β
π§ New Jersey Health Insurance Options
Wondering what New Jersey Health Insurance options fit your family? So below are the plans our licensed agents can help New Jersey residents compare. Some open only during enrollment, while others accept applications year-round.
π©Ί Health Coverage Plans
π‘οΈ Added Protection & Assistance
ACA Marketplace Plans
Best for: full coverage and income-based savings
- Covers pre-existing conditions and also essential health benefits
- Premium tax credits, so costs follow your income
- Enroll through Get Covered New Jersey
Dental & Vision Insurance
Best for: cleanings, fillings, eye exams, and glasses
- Plans from UnitedHealthcare, Aflac, Cigna, and Aetna
- Add to any health plan, or also buy on its own
- Many plans cover preventive visits at 100%, so checkups cost less
Life Insurance
Best for: protecting your familyβs income
- Term and whole life options
- Coverage sized to your budget, so premiums stay manageable
- Simple applications, because a licensed agent helps
Supplemental Insurance
Best for: help with high deductibles and surprise bills
- Accident, critical illness, and hospital indemnity plans
- From UnitedHealthcare, Aflac, Cigna, Aetna, and Mutual of Omaha
- Cash benefits paid to you, so you decide how to use them
Medicaid & CHIP
Best for: households with very low income
- New Jersey covers adults up to 138% of the poverty level
- Children may also qualify for CHIP at higher incomes
- We help you check first, before you buy a plan
π ACA Plan Tiers at a Glance
How to choose a metal tierNot sure which option fits? Then call 888-730-6001 and an agent will compare them with you.
β New Jersey Health Insurance FAQs
New Jersey Health Insurance rules change every season, from enrollment dates to the savings you can get. So below, we answer the top questions about the upcoming open enrollment on Get Covered New Jersey.
- ποΈOpen EnrollmentNov 1 β Jan 31
- πWhere to EnrollGet Covered New Jersey
- π₯MedicaidExpanded
ποΈ Enrollment, Costs & Savings
01When is open enrollment for New Jersey Health Insurance?
Get Covered New Jersey open enrollment runs November 1 through January 31. Enroll early in the window so coverage can start January 1. Outside that window, however, you need a qualifying life event, such as losing coverage, moving, or having a baby. Our open enrollment guide also covers each step, and this article explains how to buy coverage after open enrollment.
02Can I get help paying for New Jersey Health Insurance?
Yes, and many households still qualify for federal premium tax credits. In general, you may qualify if your income falls between 138% and 400% of the federal poverty level. However, the extra federal credits from recent years have ended, so households above 400% no longer get help. New Jersey Health Plan Savings also adds state help for eligible residents up to 600% of the poverty level. Also, estimate your income carefully, because you may owe back the full difference at tax time. Next, learn how health insurance subsidies work, or explore income-based coverage options.
03Are New Jersey Health Insurance premiums going up?
Insurers proposed an average increase of about 20.4% for New Jersey marketplace plans for the coming plan year. Final rates appear when open enrollment begins. Because your current plan may cost noticeably more, comparing plans this season is more important than usual. Before you renew, also read how plan costs break down.
π₯ Coverage Choices in New Jersey
04Does New Jersey offer Medicaid for low-income adults?
New Jersey expanded Medicaid through NJ FamilyCare for adults earning up to 138% of the federal poverty level. New federal work requirements for many expansion adults are scheduled to begin in January. If your income changes, also update your application so you land in the right program. For families, our guide to child health insurance coverage can also help.
05Do I have to have health insurance in New Jersey?
Yes. In fact, New Jersey charges a state tax penalty if you go without qualifying coverage, unless you qualify for an exemption. Also, a marketplace plan, job-based plan, or Medicaid all count as coverage. Not sure your plan qualifies? Then review what health insurance covers.
06How can a licensed agent help me choose New Jersey Health Insurance?
First, our licensed agents compare plans, check your savings, and confirm your doctors are in network. Best of all, there is no cost for this help. So call 888-730-6001 or request a free quote online today. You can also browse our health insurance FAQ page or meet the Vivna team.
Information reflects the upcoming open enrollment season and may change. Call 888-730-6001 to confirm your options.
π New Jersey Health Insurance Tips & Guides
New Jersey Health Insurance decisions are easier when you know the basics. So our licensed agents write these guides to explain coverage, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6001 anytime.
π More Guides for New Jersey Shoppers
𧩠Plans, Carriers & FAQs
π Questions? Talk With a Licensed Agent in New Jersey
New Jersey Health Insurance can feel confusing, but you never have to sort it out alone. Instead, our licensed agents compare health, dental, vision, life, and supplemental plans for you.
Best of all, our help costs you nothing. So request your free quote online, or call 888-730-6001 to speak with an agent today.
Prefer email? Then visit our contact page to reach our team.
How it works
- πCall or request a quoteTell us your zip code, budget, and doctors.
- πWe compare your plansAn agent checks carriers and savings side by side.
- β You choose and enrollPick the plan you like, and we handle the paperwork.